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Foreign Joe from Jersey City, New Jersey, calls in to ask Kevin and Jade about increasing the emergency fund due to rising costs caused by the pandemic and inflation. He suggests raising the fund to $1500 or $2000. Kevin praises Jade, and they discuss adjusting the emergency fund to account for inflation, referencing Dave's original book. Jade finds Joe's question thoughtful, and they ponder if Baby Step 1 needs an inflationary adjustment.