 possible um advice that you could give somebody but luckily here at ramsey solutions we're about solutions so we can give you some better solutions but this really draws the picture around for me ken um why we teach what we teach okay so obviously we teach a set of baby steps seven of them but the first four are the ones that i really want to call up right now to discuss because these are the ones that people struggle with right we always say okay baby step one you save a thousand dollars