Business Resource Center

The resource center provides you with access to tools and information to help you best manage your business. Take advantage of our in-depth content, weekly business columns/blogs, tools, industry solutions, and much more to grow your business.

Dave Ramsey Entrepreneurship

Dave Ramsey Entrepreneurship
America's trusted voice on money and business, Dave Ramsey is a personal money management expert and extremely popular national radio personality. His three New York Times best-selling books - Financial Peace, More Than Enough and The Total Money Makeover - have sold more than 6 million copies combined. His latest book is EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches.

Young Companies and Marketing Budgets

Young Companies and Marketing Budgets

Lots of small business owners who are just starting out ask me how to determine the proper amount of money to budget for marketing. Most young companies must rely on what some people call “bootstrapping.” This is where you re-invest a large portion of your profits to keep things growing. Combining this with social media – which is free and extremely effective – allows many start-ups to keep their heads above water.

In the early days of my company, we were just like a lot of other newly-established small business in many regards. We didn't have a lot of cash coming in, and the budget was minimal. We had to make every dollar we spent work very, very hard. In fact, we used a ratio of 10 percent dollars to 90 percent sweat equity.

Sweat equity means doing something physically that's pushing your message out in front of people. Back then, I must have spoken to every Rotary Club, Kiwanis Club and Sunday school class out there. None of them paid me a dime, but I was there every time someone would allow me to present to their group. Even though these little speaking gigs didn't create a direct income, it gave me numerous opportunities to get the word out about who we were and what we offered. With time, and a lot of work, those little opportunities really got the ball rolling. We’re still enjoying the momentum they created today.

Go slow, and take time to learn about what's effective in your particular field. Don't waste what little marketing budget you have on one or two expensive options that don't work!

Read other business articles

Dave Ramsey is America's trusted voice on money and business. He has authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership and Smart Money Smart Kids. His newest best-seller, Smart Money Smart Kids, was written with his daughter Rachel Cruze, and recently debuted at #1. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at
Credit card

Lost/Stolen Cards

Debit Cards Call 1-800-554-8969, Credit Cards Call 1-855-325-0903
Discuss (chat)

Contact Us

Call, come in, click. Here are all the ways to reach us.
Paper and Pencil (alternate)

Open an Account

Already know which account is right for you? Start here.