FirstStepsInvesting

Orders, Compared

The Money Guy 'Financial Order of Operations'

Money Guy (Abound Wealth) — a 9-step published framework, taught in their show and a $49 course.

The order, as published

  1. Cover your deductibles (the cash to survive an insurance event)
  2. Employer match — 'the wealth-building multiplier'
  3. High-interest debt
  4. Emergency reserves (3–6 months)
  5. Roth IRA and HSA contributions
  6. Max out retirement accounts
  7. Hyper-accumulation (beyond the plan limits)
  8. Prepaid expenses and low-interest debt prepayment
  9. — (their framework counts nine steps, ending in abundance goals)

Where it differs from the community order: deductibles before everything, and the full emergency fund after high-interest debt instead of before the IRA. The sequencer's transparency page shows both placements honestly.

Run the order this site uses, with my numbers

Order of operations, in plain wordsEmployer match, in plain wordsEmergency fund, in plain words