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Thursday, October 8, 2026 at 3:21 PM

DAVE SAYS: Make a Big Purchase During Baby Step 3?

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Dear Dave,

My husband and I are in Baby Step 3. We currently have $1,800 saved toward our fully funded emergency fund goal of $20,000.

I want to spend $400 on a flour mill that’s on sale.

You use them to mill wheat into flour. Our household income is about $50,000 a year, and we have enough money in our checking account to cover the cost without putting us in a bind. Would this be okay?

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