<prompt> Human: I started my debt snowball January 2018. Im still working on my smallest debt, which is so close to being paid off.Around the time that I found out I was pregnant Sept. 2017, I was still working on Baby Step 1: 1000 emergency savings. Reached that goal a little after Christmas, which is why I started Baby Step 2 this year.It has been such an amazing feeling, seeing that amount of my first debt go down. So motiviating and I was even more motivated by the thought of being debt free when my little one arrives...until I realized that Dave Ramsey suggests to pause the debt snowball step and save up for the expected baby.Im so torn. Im on a roll and being one step closer to a debt free life every payday has been invigorating, but I also see the appeal of having a savings for the expected baby costs.TL;DR: Do I pause my debt snowball to save for baby? I feel like pausing after only just starting is the equivalent of failing.  <response>: Ive worked with lots of folks in the last 10 years and always suggest that savings is much more important than avoiding debt.Why?Because you cant put a math equation to financial anxiety and stress.Having a minimum of 3 months income in savings means you will sleep a lot better. And stress less when awake.With a baby, I usually suggest a minimum of 6 months income in savings. Why that number? Lots of parents who followed my 3 months advice said that financial anxiety came back when they discovered they were pregnant, but 6 months of savings it went away.So I suggest you put 50 towards savings and 50 towards debt and once you get to 3 months saved, you can do 25 towards savings and 75 towards debt until you get to your next goal 6 months saved?.Emergency savings is just for if you lose your job. Any other emergencies should be negotiated if possible. Medical needs can generally be negotiated with the clinic or hospital in advance of any treatments!Congrats on your pregnancy! 