> 1. Zero debt. For a while I had house mortgage that I repaid at the first possible availability of bulk cash. Would disagree with zero debt being so high up

> 1. Zero debt. For a while I had house mortgage that I repaid at the first possible availability of bulk cash. Would disagree with zero debt being so high up in priority. Not all debt is equal. It's typically not worth it to pay debt back early if under ~3% interest rate. Credit card debt? Yes as soon as possible. Student loans or a mortgage around 2%-3% interest rate? You're better off investing that money to make 5%-8% on it