Money Priorities Order

Most money stress isn't "how do I budget" — it's "I have some money (or some slack), what do I do with it first?" Pay debt or save? Invest or build a cushion? This lays out a sensible order of operations for your situation, shows where you currently sit on that ladder, and names the single next move — so you act with a plan instead of guilt and guessing.

What This Skill Produces

• A personalized order of operations — the sequence (starter emergency buffer → employer match → high-interest debt → full emergency fund → tax-advantaged investing → goals), adjusted to your reality
• The why for each step — the logic (e.g. free match beats almost everything; high-interest debt beats most investing returns)
• Where you are now — which rung you're on and what's already handled
• The next concrete move — one clear action, not the whole ladder at once
• The judgment calls — where reasonable people differ (e.g. small debts for momentum vs. highest-rate first) flagged honestly

Required Inputs