 later you can live and give like no one else met a couple at the break rachel and i were out having pictures said 14 years ago we got out of debt and i said well you have to be a baby steps millionaires and he goes oh yeah definitely so that's what happens there's a live like no one else so later you can live and give like no one else if you are on baby step four and beyond which means you are out of debt have your emergency fund in place