Megan Main

We're doing an emergency fund for one year, and we so far have $22,000 saved.

Our goal is to get it to $30,000.

And that's for the mortgage and stuff like that, if we ever lose a job.

So yeah, so my question is, the investing part, should we start investing while we're saving up, or should we focus on the emergency fund first?

Uh, it's just, uh, the, our mortgage is, uh, like 2,500.

Uh, so we want to make sure that, uh,

we're safe for us for 12 months and especially, uh, we're having a baby.

Uh, and so we want to make sure that, uh, he's taken care of as well.

If something happens to my job or whatnot, or my wife's job, you have any debt other than the house?

Uh, I have a school, uh, it's $200,000 school.

However, uh, I am, uh, wait a minute.

I'm in the government, so I have four years left, so it gets forgiven after four years.

So I'm waiting for that.

So I'm paying $1,000 per month right now for that.

It's a Ph.D.

in psychology.

No, it's 10 years.

It's a 10-year program, but I've been in the government for six years.

Yeah.

Well, no, there were times that I paid less.