Ordered by priority (as in what to do first, not as in how much money to put in each) 1. pay off debt 2. Cash reserve for 12-18 months of living 3. Any state

Ordered by priority (as in what to do first, not as in how much money to put in each) 1. pay off debt 2. Cash reserve for 12-18 months of living 3. Any state sponsored retirement savings accounts 4. Employer sponsored retirement savings accounts or investments 5. ETF / bond portfolio with dollar cost averaging 6. Fancy ETFs / crypto / stocks whatever you like