1. 3 month emergency fund (bills, deductibles) 2. If available, contribute at least employer match to 401k 3. Pay off >8% debt After this, options are more f

1. 3 month emergency fund (bills, deductibles) 2. If available, contribute at least employer match to 401k 3. Pay off >8% debt After this, options are more fluid depending on risk tolerance 4. Contribute max to tax advantaged space (IRA/401k/HSA/Backdoor Roth IRA etc) 5. Bump up emergency to x months 6. Pay down <8% debt 7. Contribute to passive taxable accounts i.e index funds Other rules-of-thumb Take care of your body, eat whole food, move quickly for short periods of time and lift weights Consider disability and term life insurance. Avoid WHOLE life insurance. Live below your means and aim to save 20% gross income