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    Thoughts on Dave Ramsay’s Baby Steps in an NZ context?

    @jamesmason10 Fair call and my parents always expected us to pay them board if we were working and living at home but then gave us the money back when we moved out as our "starter kit".
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    Thoughts on Dave Ramsay’s Baby Steps in an NZ context?

    @robbentley I disagree with saving for kids university fees. But that is partially because I have seen the "paid for" kids dick around a lot! I also disagree with the person who thinks you don't need an emergency fund. Having dealt with MSD once when we were really struggling I want a savings...
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