the baby steps is what we always talk about so you want to start our emergency fund of $11,000 next you want to get out of debt by paying off your smallest debt to your largest debt then you're going to save up 3 to 6 months of expenses in an emergency fund and once you do all of that then you're going to say hey I'm going to you know really work on investing 15% of my income into retirement and kids college paying the house off early and all of it.
