Baby Step 1: Save $1,000 for Your Starter Emergency Fund 

Only 36% of Americans say they can pay cash for a $400 emergency.

Baby Step 2: Pay Off All Debt (Except the House) Using the Debt Snowball

Debt’s good for one thing and on thing only: holding you back. Pay off one debt at a time from smallest to largest, gaining momentum until you’re debt free.

Baby Step 3: Save 3-6 Months of Expenses in a Fully Funded Emergency Fund

Figure out how much money you’d need to live for 3 to 6 months if your regular income went away.

Baby Step 4: Invest 15% of Your Household Income in Retirement

Start preparing for your future by investing 15% of your gross household income.

Baby Step 5: Save for Your Children’s College Fund

No kids? You can skip this step and move on to the next. You’ll be working on Baby Steps 4, 5 and 6 at the same time, but you’ll start them in this order.

Baby Step 6: Pay Off Your Home Early

The average American has a monthly mortgage budget line of almost $1,600. Want it to disappear. It’s possible to achieve...even in Hawaii.

Baby Step 7: Build Wealth and Give

And when you do, you’ll not only be living like no one else, you’ll be able to GIVE like no one else! What a beautiful feeling!