LogFAQs > #980300003

Prerequisite:

• You have a job.

If you dont have a job, the most important thing is to get a job. In modern times, internet is required to job search and apply. If you do not have any electronics nor a phone plan, use libraries. If you do not have housing options, sign up for Planet Fitness at $10/mo for access to showers and a safe clean area; you might still have to sleep on the streets or at a shelter, but you can clean yourself up for an interview. If you legit have no cash for anything, use your towns resources to get aid (e.g., TANF, cash assistance).

Assuming you have a job, spend your money in order of importance:

1. Basic food and water.
2. Basic clothing.
3. Basic transportation to get to work (bus pass, bicycle, roller skates, whatever).
4. Basic phone/plan.

After you get these down, youre ready to be more secure! While pursuing the below, consider continued job searches for better pays. In order of importance:

1. Housing/utilities.
2. One to three months of savings, based on risk tolerance and job security.
3. Contribute up to the employers 401k match.
4. Savings to pay for niceties (e.g., a car for your transportation, better food/dining, better housing, better phone, laptop).

Once you get these down, now its time to secure for your future:

1. Contribute up to IRA max.
2. Contribute up to HSA max.
3. Contribute up to 401k max.

By now, youre pretty savvy. Enjoy your new and improved life!