Im very grateful that I am living the Dave Ramsey principles these days (covid-19). While my pilot brothers and sisters worry about money, I know that I have enough in my emergency fund to stay afloat for six months.
i have no debt except the mortgage and that is a real blessing right now!!
Please give his program a look. He is offering financial peace university online for FREE right now. You can get all the content for two weeks. Plenty of time to complete the course.
https://www.daveramsey.com/