Dave Ramsey

At this point, you can really start planning for the future. In Baby Step 4, you’ll start investing 15 percent of your income for retirement.

She wants to stick to your plan 100% and finishing paying off the debt, then move on to fleshing out our fully-funded emergency fund. I think we make enough money to do both. What do you think?

Right now, I hope you two will take every opportunity you have to be a blessing to your daughter. She’s a lot like the Prodigal Son at this point.