Just work through his “baby steps”

1) Get a $1,000 dollar emergency fund.

2) Tackle all debt except the house. Get it all paid off.

3) Get a 3-6 month living expense emergency fund built up.

4) Discontinue retirement savings until steps 1-3 are accomplished.

5) Max out retirement savings.

6) Pay off the house.

7) Fund college for kids.

8) Invest like crazy! Build wealth! Get Rich!

who is still on baby step #1?