1 year emergency fund in savings.
401k company match only (this is free money), don't go above if you're not able to do the next line item.
Max Roth IRA individual account every year, there's a reason there's a cap on what you can put in..
Live by your means, but treat yourself from time to time.
That's it, maybe HYSA for your emergency fund/excess you can't put into ROTH IRA.
Money problems go away when you have shown you can wait for it.
Or you get lucky, or you're just really good at something.
This post was edited by lolkggz on Nov 18 2025 08:10am