Dear Dave, My wife and I have paid off all our consumer debt, and we’re in Baby Step 3 building up our emergency fund to six months of expenses. When do you recommend buying a new car in the process? Do we have to wait until we’ve finished all the Baby Steps? Aaron Dear Aaron, Congratulations! You two are taking really positive steps forward in gaining control of your finances. I’m proud of you!Ok, I’m not sure if you’re talking about buying a newer car—like a great two- or three-year-old model—or an actual new car. I don’t advise buying a brand new car, unless you have a net worth of at least…