#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

Ep #144: Leveraging Tax-Advantaged Accounts to Maximize Your Wealth with Katie Gatti Tassin
Ep #168: Building an Investment Portfolio to Grow and Protect Your Wealth with Chris Doyle
Ep #177: Best Bank Account Setup to Earn Interest on All Your Cash
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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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