 A lot of hard hours, too. And you put up with a serious amount of crap. All right, so our goals, what we teach you, is a process called the baby steps, which is to first have $1,000 saved as a starter emergency fund, and then second, become debt-free everything but the house using the debt snowball. Third, build an emergency fund of three to six months of expenses. And then fourth, start investing 15% of your income.