 a buffer between you and life and that's going to be a starter emergency fund of a thousand dollars and we're going to get that as quickly as possible we're talking a few weeks here then we're going to move on to the debt snowball which is where we pay off all the debts smallest to largest regardless of the interest rate and we're going to walk you through this in financial peace university that's going to be our gift to you nine videos in there also with that every dollar that'll help you create this budget income minus expenses should equal zero a zero-based budget every dollar should have a job