@daveramsey: Having money in the bank and no plan for it is one of the most common problems we see. Every dollar you make needs an assignment before the month begins. The Baby Steps are that plan: Baby Step 1: Save $1,000 for your starter emergency fund. Baby Step 2: Pay off all debt (except the house) using the debt snowball. Baby Step 3: Save 3–6 months of expenses in a fully funded emergency fund. Baby Step 4: Invest 15% of your household income in retirement. Baby Step 5: Save for your children’s college fund. Baby Step 6: Pay off your home early. Baby Step 7: Build wealth and give. The plan only works if your money follows it. That’s what a budget does. If you’ve never created a budget before, my budgeting app @every.dollarmakes budgeting simple.