Dear Dave, I just started Baby Step 3 of your plan. It took me about 12 months to pay off $8,000 in debt during Baby Step 2. I am 50, and I work in the printing industry making about $38,000 a year in a city with no local or state income tax. I have not done a lot about retirement yet, and that worries me now that I’m learning to manage money in a smarter way. How can I stay on track with the Baby Steps and still do something about retirement? —Blake Dear Blake, I generally look at a timeframe of six months to a year for saving a fully funded emergency fund. So, if it took you about a year to pay off $10,000 in debt, you’re probably looking at about the same length of time—or less, since the debt is gone—to save up an emergency fund. Keep …