We're Debt-Free With $1,800 Saved and Want to Spend $400 on a Kitchen Appliance: Should We Wait? - 24/7 Wall St. We're Debt-Free With $1,800 Saved and Want to Spend $400 on a Kitchen Appliance: Should We Wait? By Don Lair Published May 13, 7:45PM EDT Quick Read Dave Ramsey advises against a $400 flour mill purchase for a household in Baby Step 3 (emergency fund building) with only $1,800 of their $20,000 goal saved, because small justified purchases set dangerous behavioral precedents that derail longer-ter ...