These are the steps that introduced me and my husband to what financial independence is and for that I am eternally grateful. But a lot of important considerations get looked over if you just find a list of the steps and start crackin. The articles circulating the web are from two camps: Dave Ramsey people, who are relentlessly devoted to the man, and people on the other side, who do math. My goal is to neutrally answer the question: What are The Baby Steps? The Baby Steps, outlined in the book The Total Money Makeover, are the foundation of personal…