 you can live and give like no one else met a couple at the break Rachel and I were out having pictures so 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 4 and beyond which means you are out of debt have your emergency fund in place