Baby Steps, 88 order of, 90 1. starter emergency fund of $1000, 97–103 2. Debt Snowball, 106–111 3. emergency fund for 3 to 6 months of expenses, 124–127 3b. down payment savings, 137–138 4. investing for retirement, 143–144 5. saving for college, 156–158 6. home mortgage payoff, 168, 179–180 7. wealth building, 181–182 7b. Pinnacle Point, 187–189 back-end penalties, on car loans,
