For example:
"Personally, I think the $1,000 emergency fund is just too low. I understand why Dave advocates $1,000–it’s a small sum that most people can save in a short amount of time and is, in many cases, more money than they’ve had in savings ever. But, taken in the context of the next step, which is to pay off all debt using the snowball method, that $1,000 is probably not going to cut it, especially depending on how much debt you have and how long it’s going to take to pay that off."
The emergency fund is NOT for paying off debt it is for unexpected expenses.