Financial Order of Operations

The Financial Order of Operations is a comprehensive framework that guides individuals through nine steps to manage their finances.

These steps include covering deductibles, maximizing employer matches, paying off high-interest debt, building an emergency fund, contributing to Roth IRAs and HSAs, maxing out employer-sponsored retirement plans, hyper-accumulation, prepaying future expenses, and prepaying low-interest debt.

This system is designed to work for people at any stage of their financial journey, from those just starting out to those optimizing their retirement savings.