Step Three 

1. In this step one needs to create a second savings account to use if a job is lost or something happens to that person's occupation. 

2. You should be able to live on this account for three to six months, keeping in mine that your family may also have to feed off of this account if you are the main source of income. 

3.  Make sure that you create this budget and live by it; giving every dollar a name and focusing on where your money goes.