 okay but you're not you've not been following the baby steps and you're still not following them with what you're outlining so let me go back and clarify okay yes you don't have an emergency fund in place yet correct uh... we've got about three thousand dollars you don't have an emergency fund in place yet and you started baby step four without that being done so you're not following the baby steps and you've got debt of twenty nine hundred dollars so you've not been following the baby steps already