Dear Dave, We’d like to own a home someday, but we know we’re not ready for that kind of financial commitment yet. Where does buying a house fit in your Baby Steps plan? Heather   Dear Heather, Buying a home when you’re broke is the easiest way I know to become a foreclosure statistic. I’m glad you two are being thoughtful and sensible about taking such a big step. If you remember, in Baby Step 1 I advise people to save up a beginner emergency fund of $1,000. Baby Step 2 is paying off all consumer debt from smallest to largest using the debt snowball method. Then, Baby Step 3 is where you go back and grow your emergency fund to a full three to six months of living expenses. With all this in mind, let’s call getting ready to buy a home Baby Step 3b. Save up for a down payment …