@daveramsey: Most people stay broke because they don’t have a plan. The 7 Baby Steps give you one. Here’s the path: 1. Save $1,000 for a starter emergency fund. 2. Pay off all debt except the house using the debt snowball. 3. Save 3 to 6 months of expenses in a full emergency fund. 4. Invest 15% of your household income for retirement. 5. Save for your kids’ college. 6. Pay off your home early. 7. Build wealth and give like no one else. You don’t build wealth by accident. You build it on purpose, one step at a time. Stop trying to do everything at once. Focus on the step you’re on and finish it. Which Baby Step are you currently on? #daveramsey #debtfreecommunity #debtfree #debtsnowball