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The first step of the Dave Ramsey Wealth Building Plan is Baby Step 1. This step is saving $1,000 as quickly as you can for your ‘starter’ emergency fund. Baby Step 1 assumes that you have cut up all of your credit cards, so you are solely relying on a cash emergency fund. The minimal savings amount of $1,000 is to light a proverbial fire under your butt.

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By now you know that the world has been turned upside down. The U.S. Government agrees with the previous statement and has passed a historic bipartisan $2 Trillion stimulus package which is supposed to shock the economy back to life. This stimulus package includes cash directly into the hands of 9 out of 10 American households.