Dave Ramsey says that the first priority, before undertaking any of the baby steps, is to take care of the "four walls" of the household: food, shelter (and basic utilities), clothing, and basic transportation.
Even if you're not following Financial Peace University in an effort to accomplish the baby steps, this seems like a good starting point for evaluating the physical well-being of household. These "walls" don't address emotional or other important needs, but if you aren't taking care of them you shouldn't reach the conclusion that you and your family are "okay."
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