Build wealth and give back: Debt-free and living in their own home, Katie and Brad can then look to build wealth and/or give back to charitable causesStart saving for a down payment — for existing homeowners, Ramsey recommends paying off the mortgage earlyBegin investing at least 15% of their household income in retirement savingsTry to add at least three months’ worth of expenses to their emergency fundUse the debt snowball method to pay down their $30,000 student loan and credit card debtSave$1,000 in an ...