[00:02] already have at least three months of expenses saved up in an emergency fund. The first place is if your job offers a 401k match, you want to contribute enough to get the full match. So, let's say your salary is a 100k per year and
[00:15] your company offers you a match of 100% of up to 4% of your salary. That phrase just means that of your 100k salary, 4% of it will be matched by your employer. So, $4,000. If you put in 4,000, they will also put in $4,000. You always want
[00:29] to do this because it's like free money and it's a 100% return on your you kill off any high interest rate debt, so any debt over a 10% interest rate. Third, this is where you max out the Roth IRA. You can contribute up to
[00:42] $7,500 into one this year and this retirement account lets you grow your money tax-free. And once you contribute, to make sure you don't forget to invest the money as well. Number four is to go back to the 401k and max it out. The
[00:54] contribution limit in 2026 is $24,500. And finally, number five is to invest in a taxable brokerage account. This is the most flexible out of all accounts whenever, but it has no tax advantages, so that is the trade-off. Some people
[01:08] interchangeably, but ideally these steps are completed in order, kind of like a one, then step two, all the way to step five. Let me know if you have any five. Let me know if you have any questions in the comments.