step four is to start an emergency fund so having savings is huge so your emergency fund is really your safety net between you and life so if you are finding margin in your budget this is the first thing I want you to do is I want you to get a $1,000 emergency fund having cash in the bank and letting you be your emergency fund is so massive when it comes to cutting the cycle and then once you have that and you pay off debt then you can bump that up to 3 to 6 months of expenses saved in the bank.
