Dave Ramsey’s Total Money Makeover is the book we used to learn about personal finance and ultimately get out of $78,000 of debt in less than 2 years. We followed his system, dubbed “The Baby Steps” almost perfectly (TBH, I don’t think there’s anyone who does the baby steps perfectly.) One of my first posts on Saving with Spunk was explaining the baby steps. Baby Step 1: $1000 in an emergency fund Baby Step 2: Pay off all debt using the debt snowball method Baby Step 3: Save 3-6 months of expenses in an emergency fund Baby Step 4: Invest…