After consumer debt is paid off, it’s time to begin investing 15% of our take home pay for retirement, fully fund our savings account, and work towards having our housing expense at 25% of our take home pay. These three steps will take the most time, but will also provide us with the final fuel for a full tank! Once we have completed these three steps, we will have a financial foundation that will allow us to build the lives God has called us to build.