1. Pay off all none reoccurring debt
2. Pay off anything in collections
3. Save up to, or more, than 7k
4. Have a high credit to debt ratio
5. Finalize a workable grocery budger
7.Finalize a budget in general
8. Figure out taxes
9. Have our first child
10. Finance or be close to financing a home
11. Live below our means
12. Save 20-25% of our monthly income for emergencies
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