币界网报道：Dave Ramsey, the renowned personal finance expert, has released a new "Baby Steps" guide tailored for the Web3 era, aiming to help individuals navigate financial planning in the decentralized economy. The updated framework includes steps like building an emergency fund in stablecoins, diversifying crypto investments cautiously, and understanding smart contract risks. Ramsey emphasizes the importance of maintaining traditional financial principles while adapting to blockchain-based assets, warning against speculative trading and overexposure to volatile cryptocurrencies. The guide also covers tax implications of crypto transactions and recommends using regulated platforms for security. While acknowledging blockchain's potential, Ramsey advises newcomers to prioritize education and risk management before diving into DeFi or NFTs. This marks Ramsey's first major foray into Web3 financial advice, blending his signature conservative approach with pragmatic crypto strategies.