This is the Ramsey Call of the Day, part of the Ramsey Network.

Well, we are starting off this hour with Gavin in San Antonio, Texas.

Gavin, welcome to the Ramsey Show.

Hey, how are y'all doing?

Doing great. How can we help?

Hey, so I'm going to try to put it into words, but it's going to make more sense as we go

along here. But my big question as of right now is I'm a young guy, and I've saved a pretty

good amount of money here, and I'm looking to figure out what is the fastest and safest way to go ahead and build

this wealth here. And, you know, I know we're going to get into the baby steps here, but,

you know, I do have some questions about them in regards to achieving this goal. Okay. How young

are you? I'm 24 years old.

What's your household income?

Right now I make about 80,000 a year.

Okay.

And how much wealth have you amassed so far?

I have about 42,000 in just Apple stock.

I have another 2,000, another individual stock, about 11,000 in my Roth IRA, and about 3,000 sitting in the bank. So I think that's roughly about 60.

Okay. And you don't have any consumer debt? No, sir. I have no debt at all.

And you've got a fully funded emergency fund. It sounds like you have $3,000 in savings.

I have a small one. I have like a $1,000 emergency fund, but not like a, I wouldn't say I haven't

established three to six months one just yet.

Is there a reason why you skipped over that one?

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