When You Nickel and Dime Things, Nothing Gets Done Well

Make the math easy by focusing all of your efforts on one financial goal at a time. RetroClipArt/Shutterstock

Dear Dave,

I’m currently on Baby Step 2, and I have about $7,000 in debt to pay off before I can move to bulking up my emergency fund in Baby Step 3. When you’re paying off debt, what do you recommend for 401(k) contributions?