Step 4) Maximize your HSA contribution - if you have the option. You'll be happy to have it later for medical expenses and it grows tax free!
Coffee > Dr. Pepper > Water. If I'm on Spirit or Frontier, then a cup of ice water (free).
Step 3) Save $15,000 in a taxable investment account. This is a backup to your emergency fund that can actually generate income.
Step 2) Save $10,000 cash in your savings account. This is your emergency fund.
During Covid, Apple demanded our apps filter some search terms from being returned. If we did not filter the terms, our apps would not be allowed in the store. Apple may make good products, but they have been opposed to free speech for some time.
Step 1: Cut up your credit cards and pay the balances down to $0. I'm not saying that credit cards have no place in a financial plan, but they are not part of step 1. Step 1 is step 1 (see above).
14) My goal: a) Clean up and focus on transparency b) Make customers whole
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