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Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving and storage studio. It's the Ramsey show where we help people build wealth. We help you do work that you love and create actual amazing relationships. I'm your host today, Jade Warshaw and I am joined by possibly my favorite

The incomparable George Campbell. Wow, you hear that, Dr. John Alone Ken Coleman. Are you listening?

Somewhere Ken Coleman is seething. I'm just kidding, but we're here to take your calls about your life. Your money. Give us a call man. The number is triple eight eight to five five two to five and let's go straight to the phone lines. We got Amber and shadow Nuga Tennessee. What's going on Amber?

I'm starting to try to do the baby stuff. And I'm having trouble getting started with the first one. Every time I have money, put up something comes up to where I have to use that money because I don't have a choice.

So the first baby set for those of you listening is baby set one getting a thousand dollars saved. And so Amber, you're having a hard time with that because you keep falling back and spending it. Am I right?

And are you using a budget right now?

I am. I wrote down everything that old for each paycheck. I go, you know, like I said, it's done from the first of the month to say the not taste because I get paid every two weeks.

I wrote what is old in between those days that why not everything come now one check.

But it's not, you know, I try to calculate, you know, my toppings is for charge, plus I want to put money back is like, I can't get either one of those started.

Right. So when you are having to go into your emergency fund, what are the type of purchases that are causing you to do that? Are they unexpected charges or is it just month to month stuff that you're like, man, I forgot to budget for that.

And now here we are.

So I was actually starting to get ahead this last month. I had almost $500 put up and my dog ended up start having seizures. So I had to go taking to the vet, which was very, very unexpected. And of course, I had already paid all my bills for that week.

And that was only money I had left to be able to take into the vet to head and checked out.

Hmm.

So can I ask you like, what's your income been like, what are, how much money are you bringing in?

So I've been working overtime at work. So my has to pay checks have been over 1900 every two weeks.

Okay. So you're making almost $4,000 a month. You know,

here's a thing for folks listening. When it comes to emergencies, the way that we think through whether something is an emergency where you would dip into that money is, it's got to be totally unexpected.

It's got to be something that's totally necessary and it's got to be urgent. Right, George? And, you know, so the dog was one example. Is there another example that you can give because I don't want to come at you hard. Amber with the dog stuff. Just yet. So I want to know, is there another example?

Well, so

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