Dear Dave, I’m 26 and single, and I have about $35,000 in credit card and student loan debt. I’m only making $20,000 a year right now, but I expect to be making almost $30,000 soon. Under the circumstances, can I get by with $500 in my emergency fund, or do I need to have $1,000 … Continue reading Dave Says: Make Baby Step 1 — a $1,000 emergency fund — your first priority