The co-host of “The Ramsey Show” told FOX Business that many Americans<\/a> can stash away $1,000 in as little as 30 days \u2014 but only if they’re willing to make temporary sacrifices and take what she calls a “scorched earth” approach to their finances.<\/p>\n “It’s more realistic than people think,” Warshaw said.\u00a0<\/p>\n “Most people are able to do it in 30 days,” she added, referring to Ramsey Solutions’ first “Baby Step,” which calls for saving $1,000 before moving on to paying off debt<\/a>, building a larger emergency fund and investing for retirement.<\/p>\n CHECKERS & RALLY\u2019S CEO SAYS AMERICANS\u2019 DEMAND FOR FAST-FOOD VALUE IS ‘INTENSIFYING’<\/a><\/p>\n Jade Warshaw, co-host of “The Ramsey Show,” said that most Americans can save $1,000 faster than they think with a budget and temporary lifestyle changes. (FOX Business)<\/p>\n Just 47% of Americans say they have enough cash or accessible funds to cover a $1,000 emergency expense, according to a Bankrate survey<\/a>.<\/p>\n The strategy starts with building a budget, according to Warshaw.<\/p>\n “If you don’t have a budget, it’s not going to work,” she said.<\/p>\n From there, Warshaw then recommends attacking the problem from both sides by both spending less and bringing in more.<\/p>\n That could mean taking on overtime work, driving for a rideshare company, tutoring or selling unused belongings while simultaneously trimming recurring expenses like subscriptions, restaurant meals<\/a> and transportation costs.<\/p>\n Warshaw said food is one of the easiest places for Americans to find quick savings.<\/p>\n Restaurant meals, takeout and delivery can quietly eat up hundreds of dollars a month. Bringing lunch from home, for example, can help cut the cost dramatically.<\/p>\n AMERICANS ARE LOOKING BEYOND THEIR LOCAL MARKETS FOR NEW HOMES \u2014 AND FLORIDA DOMINATES THE LIST: REPORT<\/a><\/p>\n Warshaw recommends attacking the problem from both sides by both spending less and bringing in more. (iStock)<\/p>\n “For the average person, they could spend anywhere between $12 to $15 going out for lunch, but making that same lunch at home, you could save half and only spend $5 or $6,” Warshaw said.<\/p>\n With the holiday shopping season approaching, Warshaw said Americans don’t necessarily have to cancel Christmas<\/a> or abandon family traditions to hit a savings goal.<\/p>\n Instead, consumers should decide whether it’s more realistic to temporarily cut spending or increase their income.<\/p>\n “If a family says, ‘I’d like to save $1,000 in the month of December,’ well, it’s going to be tough because you’ve got Christmas going on,” she said.\u00a0<\/p>\n Rather than skipping holiday traditions, she suggested finding ways to earn extra cash through temporary side gigs rather than trying to eliminate every holiday expense.<\/p>\n![\"ramsey-solutions'-jade-warshaw\"\/](\"https:\/\/www.newsbeep.com\/us\/wp-content\/uploads\/2026\/09\/ramsey-solutions-jade-warshaw.jpg\")
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