Baby Step 1 : Save $1000 ( beginner starter emergency fund)
Baby Step 2 : Pay off all your non-mortgage debt using the debt snowball ( starting from lowest to highest regardless of interest rates)
Baby Step 3 : Save 3 to 6 months of your household expenses in a simple money market account
Baby Step 4 : Start investing 15% of your income in growth stock mutual funds
Baby Step 5 : Start investing for kids college (ESA or 529 )
Baby Step 6 : Pay off your house early
Baby Step 7 : Invest and give money outrageously
Frank's Blog 