 but what we teach is when you're in baby steps one through three which is getting out of debt and having the emergency fund you're in tents and you don't buy anything you don't do anything until you get the emergency fund in place and you're out of debt now you're going to accomplish that in one fell swoop here then when you're in four five and six you move from intense to intentional and that's when you would use some of your money to upgrade a truck buy a couch go on vacation