#235: Chris shares his personal 10-step money allocation framework to help prioritize savings, investments, and financial flexibility. He also dives into advanced strategies for tax optimization, liquidity, and real-world application through listener questions.
Link to Full Show Notes: https://chrishutchins.com/10-step-money-allocation-framework
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Resources Mentioned
Brian Feroldi’s Emergency Fund Size Formula
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Direct Indexing: Frec
ATH Podcast
Full Show Notes
(00:00) Introduction
(02:03) Quick Episode Overview
(03:37) Step 1: Operating Cash
(05:14) Step 2: Employer Match
(06:21) Step 3: Urgent Debt Payoff
(07:56) Step 4: Safety Net
(11:49) Step 5: Short-Term Goals Fund
(13:30) Step 6: Debt Review
(15:44) Step 7: Tax-Advantaged Investing
(21:38) Step 8: Brokerage Investing
(30:16) Step 9: Education Investing
(31:23) Step 10: Optional Debt
(32:48) Why You Should Prioritize Liquidity
(37:51) Types of Alternative Cash Savings
(40:48) The Margin Call
(43:28) Listener Q1: Strategy for Using Money from House Sale
(47:07) Listener Q2: How to Leverage Tax-Loss Harvesting
(50:35) Listener Q3: Effective Ways to Manage Your Investment Portfolio
(55:00) Listener Q4: Thoughts on Financial Advisors
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