The Ramsey Show · Simple Habits Create Lasting Peace
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suggest contributing 15% of gross income to 401(k) after debt is paid and emergency fund is set
15% of gross income
“Building an emergency fund. Probably nine out of 10 people that I actually meet as clients don't have an adequate emergency fund. Six month emergency fund”
“Automate transference to a high interest savings account until you hit three to six months of emergency funds. In my case, ideally 12 months of income.”
“You work like maniacs... you make enough to get this paid off. Both of you, you work like maniacs. ... you’ve got a $300-500k household income and zero debt”
“Emergency funds can sit in revolving credits or offsets… it’s just there to break glass… you can try and go a little bit harder on my mortgage repayments and I’ve got that money set aside if I need it.”
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