people are getting out of debt completely in 18 to 24 months and then they're saving up that emergency fund so again it's going take a couple of years but you can knock that out but longterm this is where you're going to be saving for retirement kids college then paying the house off early which is baby steps four 5 and six so that's going to be a longer time period but again I love the idea of having a budget and knowing hey I'm going to be stretching my money out to all of these areas but if you want to make the maximum amount of progress just take it one step at a time in those first three baby steps then the other the rest of them you're going to do at the same time.
