Christina Ellis

Are you talking about just tithing 10% while you're paying off debt?

It's a great question, though.

Yeah, and you're tithing on your increase.

So yeah, if you're stopping to use your emergency fund, you're not getting an income at that point.

It's not tithing on what is going up in your account.

So you would have already tithed on that money, tithed when it came into your house, and then it's now in your emergency fund.

So that money has been tithed on.

Now, if you are donating to a nonprofit or a church or something that you really want to keep giving to, maybe you do factor that in, like Dave said.

But technically, if you're getting into the technical part, you've already tithed on that money.

Well, I'm a little bit curious about your situation.

You mentioned you're in Baby Steps 2 and 3.

They're pretty different Baby Steps.

So you have debt.

What kind of debt do you have?

That's what I'm getting at.

And potentially it may make sense in Baby Step 2 for him to go ahead and sell that rental if he's got a lot of other debt and got some equity in that rental.

That may give you the opportunity to...

Well, and just as a new listener, it is important to realize when you're in baby steps one through three, those are different baby steps.

When we get to four through six, we often kind of lump them together.

They're things that you're doing at the same time.