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Live from the headquarters of Ramsay Solutions, broadcasting from the pods moving and stored studio,

it's the Ramsay Show, where America hangs out to have a conversation about your life and your money.

On your host George Campbell, join the Sauer by Jade Warshaw.

We're taking your calls at 888-825-5225.

You jump in, we'll have a conversation about your life and your money.

Phil kicks us off in Macon, Georgia.

Phil, welcome to the Ramsay Show, my friend.

Hi, thanks for taking my call.

Absolutely, what's going on?

Well, me and my wife are working on Baby Stuff One.

We purchased a home in May of last year, and between then and now we switched insurance companies

for the home insurance, so our payment would go down because bungalow's the money,

they would just help us out a little bit.

That insurance company that we went to sent some inspectors out to look at the property,

and they said our roof was old.

Now, we knew our roof was on its way out when we bought the house,

the insurance people are telling us that we have until September of this year to switch the

roof over or the insurance will have.

Now, I want to get through Baby Stuff One.

First, but my question is, once we get that $1,000 emergency fund,

should we pause on Baby Stuff Two in the sought money away for the roof,

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