When you have ADHD, you must be mindful about setting goals to stay motivated and on track.

Identify the goal
Write out the purpose of the goal and why it is important
Decide on one action step or small task you can do today that would bring you closer to your goal

The ‘Financial Order of Operations’ is one method to help break down the process of identifying goals to focus on first.

The Financial Order of Operations

Have at least one month of your expenses as an emergency fund
If you work for a company that offers an employee 401(k) match, set that up and start getting that match
Once you have the first two steps in place, use the savings from your budget to start knocking off high-interest debt
Start building your emergency fund for three to six months of expenses
Invest in a Roth or traditional IRA, or increase your 401(k) contribution
Fund upcoming large expenses
Max out your 401(k) and 403(b) accounts
Invest extra savings in a brokerage account

Your first goal should be achievable, so make sure you set yourself up for success by choosing something you feel you can accomplish. Once you have completed that goal, set your next one and slowly move up the ladder. That way, you will build a solid foundation that will not only be achievable but will also be meaningful to you.

I have created and shared a spreadsheet on the reversed budget methodology we’re using in this series under the resource links at the bottom of the page for you to download and follow along.

Resources:

Link to my Google Docs Budgeting Spreadsheet (click here)
Debt Snowball Calculator (click here)
Financial Order of Operations (click here)
ADHD MoneyTalk Life Happens Emergency Fund Episode Four (click here)

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