 and they get this thing done in six months and then that build up your emergency fund of three to six months of expenses then we can begin investing in the 401k fifteen percent i'm gonna send you financial peace university betsy it's gonna walk you through all of this in detailed and this is the seven baby steps that have helped millions and you are next and i'm so pumped for you hang in the line christian's gonna pick up we're gonna send you financial peace university as our gift to say we believe in betsy thanks for the call this is the ramsey show