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Without other debts, you can dedicate more of your income towards saving for a down payment, paying for your mortgage, and other housing expenses. Having no debt and an emergency fund of 3 to 6 months of expenses is crucial for brandon before saving for a house because it provides financial stability Personally, i have a high appetite for risk and am fairly good at downsizing my expenses when necessary so i target less than 3 months, but i wouldn't recommend that to anyone else.

Why is it important that brandon's monthly mortgage payment is not more than 25% of his monthly take home pay While saving money isn't easy at first, it will make your life a lot _______ in the future if you make it a habit now. To ensure affordability and financial stability

Dave ramsey's emergency fund advice is simple but powerful

Save three to six months of expenses, rely on cash instead of credit, and dip into your fund when necessary.

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