It's Tuesday, and this is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Rachel Cruz.

Eddie's with us in Salt Lake City. Hi, Eddie. How can we help?

Hi, Dave. Rachel, who's talked to you today?

You too? What's up?

Well, I am wondering how my baby step journey actually is going to look.

I am, most of my income is actually from a disability income.

And I've somehow managed to make myself to pass babysat three.

Good. And now I'm looking at trying to save for, for the future and possibly buy a home.

Um, I do make a small earned income, so I'm able to contribute, I think, to a Roth IRA.

But I'm just kind of wondering, that doesn't quite get me to the 15%.

And I'm wondering how to do that and balance 3B at the same time on this kind of income.

So what is your income?

I make about 48,000 from disability. What is the nature of your disability? Blind. I'm blind. Okay. And who pays that?

It's from a workplace insurance policy.

I was actually injured on the job.

Hmm.

My goodness, I'm sorry.

Are you, have you lost 100% of your site or just most of it?

Yeah, a good chunk of it.

I still have what some people would call functional vision.

Gotcha.

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