09/04/2026
Baby Step No. 3-
Save 3–6 months of expenses in a fully funded emergency fund.
Picture this: You made your last debt payment. You’re debt-free!
And yes, you’re celebrating because every dime you earn is now yours. It’s time to make sure you never shackle yourself to debt again—by saving a fully funded emergency fund of 3–6 months of expenses as a safety net.
Temporary job loss? Covered. AC dies in July? No sweat. Money stress doesn’t stand a chance when you’re debt-free and have a big rainy day fund. Find out how much you need to save.
https://www.ramseysolutions.com/saving/quick-guide-to-your-emergency-fund
