Starting our baby steps journey but not on the same page

With the new year coming up, my husband and I have been taking a lot of time to reflect on our finances and set goals going into 2025. I think my husband and I can knock out what Ramsey refers to as baby steps 2 and 3 this year, and maybe take a little vacation to celebrate. However, we are not quite on the same page about how to do it.

I am 23 and my husband is 28. We make $207K annual gross. After taxes and deductions this leaves us with about an $11,500 a month take home pay and our expenses are $9,000 a month (hoping to decrease this to $7,000 a month). We have $12,000 left on our car loan and currently $15,000 in savings.

My idea is to follow the Ramsey plan exactly and use our savings to pay off the car first, then start to fund our emergency fund right away. I think it would take us a little under 9 months to complete our emergency fund, so we would be done by September and could maybe even use the rest of the year to save for a vacation when I have time off work in December.

My husband is anxious about depleting our current savings account (honestly I am a little too). His idea is to leave our savings account alone and determine how much per month we need to put towards finishing baby steps 2 and 3 and funding a vacation by December. This would mean we are putting $1,000 a month towards car loan, $2,250 a month towards emergency fund, and $800 a month towards a vacation.

My family has also suggested we sell some of our other vehicles to pay off our car loan. We have 3 other vehicles and a travel trailer that are worth approximately $45,000 combined. We don’t really want to do that since they are all paid off. One is a work vehicle, one is a 2007 Toyota Tacoma we use for off-roading and isn’t worth much anyways, and we use our truck and travel trailer regularly for cheap “vacations”.

Technically either way accomplishes our goals by the end of the year. I do think that trying to put a little bit towards a lot of different things feels chaotic so I want to focus on one thing at a time. But I also understand why my husband is anxious about depleting our savings account since we have had a few things come up in the past month that we have needed to utilize it (ER visit and a water damage repair in our house). Are there any good reasons to attack this one way over the other? Or any other suggestions on how we can both be comfortable with our plan?

(Please note, I’m not trying to use this post as ammo to get my husband to do things my way. We are both looking for different perspectives that may help us determine how we want to do this together.)