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Discuss pre baby step 1 by getting current on all your bills, and then building that Baby Step 1 Emergency Fund (EF). Discuss those issues here.
Payoff your Debt, every thing except your mortgage.
You managed to get all the consumer debt and student loans paid off, now its time to focus on building that 3 to 6 months Fully Funded Emergency Fund!
Now with your Fully Funded Emergency Fund in place you can startBaby Step 4 15% of income into retirementANDBaby Step 5 Saving for your childrens, or grand childrens education. Discuss Baby Step 4 & 5 in this forum
Baby Step 6 is paying off your house mortgage. Baby Step 7 is about creating wealth to change your family tree, truly LIVING like no one else, because you LIVED like no one else and giving money away.
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