📈 Are you on track with the Baby Steps? Get a free personalized plan. Call me crazy, but babies shouldn’t have credit scores . . . and neither should mom or dad. In this episode, find out why this viral hack is a bad idea and what you can do instead to help the next generation be smart with money. Next Steps:• 🎥 Watch my video I Have Zero Credit and Tried Renting an Apartment.• 📙 Listen to my audiobook, Breaking Free From Broke.• 💵 Start your free budget today. Download the EveryDollar app!Connect With Our Sponsors:• 🔒 Get 20% off when you join DeleteMe.• 💸 Learn more about opening a high-yield savings account with Laurel Road.Explore More From Ramsey Network:🎙️ The Ramsey Show  🍸 Smart Money Happy Hour💸 The Ramsey Show Highlights🧠 The Dr. John Delony Show💡 The Rachel Cruze Show🪑 Front Row Seat with Ken Coleman📈 EntreLeadership Ramsey Solutions Privacy PolicyLearn more about your ad choices. Visit megaphone.fm/adchoices