Ready to make a change? Sick and tired of being sick and tired? All it takes is 7 Baby Steps: 1. Put $1,000 in a beginner emergency fund. 2. Pay off all debt using the debt snowball. 3. Put 3-6 months of expenses into savings as a full emergency fund. 4. Invest 15% of your household income for retirement. 5. Begin college funding for your kids. 6. Pay off your home early. 7. Build wealth and give generously. That’s it. A simple plan, and it works EVERY time. BUT... it’s a lot easier said than do