I agree with this part of the percentage of the formula 15% uh when it comes to the 70 10 15 rule that 15% of your money should go in to investing and I love that but I would do the first three baby steps before I invest so be thinking about that again again it's priorities remember that but once you are on baby step four then you're good to go now baby step four five and six can be tackled at the same time and that's usually over a longer period of time in the first three baby St.