Ray, how can we help?

Hi there.

Thanks so much for taking my call.

You bet.

I am on Baby Step 1 and I'm struggling because I don't necessarily know how to manage that feeling of insecurity.

I keep getting of only putting $1,000 in my emergency fund and then moving

on to Baby Step 2.

Oh, that's just a really good question.

Yeah.

So tell us what you are specifically worried about because I feel like I heard you say, I'd

like to have more than a thousand saved.

Is that what this is really about?

It's exactly how I'm feeling.

And like I'm feeling like even when I do get a thousand in it,

I'm not going to have my budget where it's cut out where I'm spending every single dollar every month.

I just am scared something will come up and $1,000 isn't enough to cover it.

And I'll be back in a spot where I got to take out debt.

Okay, so do you have margin?

Feels like you've got margin in your budget right now.

I do.

What kind of margin do you have?

It's going to be fluctuating throughout the year, but I'd say it's a good chunk once I

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