I have to save $4800 total - $2700 for Shock and the rest for reserve.  I only pay $600 for rent but want to qualify for $1200-1500.  So, this is why my amount is high, shock is $900 if I don't use my retirement amount.  I don't pay much for rent.  Right now, I have my appt set to have the money by the end of Jan, but I am hoping to have the Shock by the end of Dec.

My counselor was very knowledgeable and patient.