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Live from the headquarters of Ramsey Solutions broadcasting from the pods at moving in storage

studios, it's the Ramsey Show where that is dumb, casual king and the paid off home

mortgage has taken the place of the BMW as the status symbol of choice. We help people

build wealth, do work that they love and create actual amazing relationships.

Christina Ellis, number one best selling author Ramsey Personality is my co-host today

as we talk to you about your life and your money. Merry Christmas America, thanks for

being with us. The phone number here is triple eight, eight two five five two two five,

the call is free and some say the advice is worth exactly what you pay for it.

Alright, we're going to start off this hour with Luke and Fort Wayne Indiana. Hi Luke,

welcome to the Ramsey Show. Hi Dave, thanks for taking my call, it's not

honor. honor to speak with you sir, how can we help?

So I was calling to get some advice because I'm getting married and six months and moving

out of home for my parents and I'm wondering what you would advise is kind of like a nest

egg or just a small, it feels like I should have some money set aside to pay for furniture

and the deposit and things like that. Do you have an emergency fund right now?

I do, I have $1,000, I'm on baby step two.

Okay, wonderful. Well Dave, I am curious how much beyond the deposit, so you have your deposit

for the apartment. I mean, if you're on baby step two, I'm thinking pretty cheap, but

Dave, what's your take? You need to, well, I mean, basically it's not, do you need more

than a thousand dollars in savings? That's not the question. The question is how you're

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