[jvanderbot]

The subreddit personal finance has straightforward advice, and a very nice algorithm for determining where to put your money (and an exit criteria after which you can do whatever you want).

That basic flowchart has helped me set my goals for years, and to maximize my progress towards those goals.

It's very simple, a 10 minute read, and backed by most the books and advice you're likely to receive anyway, including basic stats about emergency funds, etc.

Unfortunately, it can seem mundane, as financial responsibility is about time in investment and good lifelong habits, not easy tricks.

[hiq]

I assume you're talking about:

https://old.reddit.com/r/personalfinance/wiki/commontopics

linking to:

https://i.imgur.com/lSoUQr2.png

[pclmulqdq]

The stuff on personal finance does not apply to anyone with weird life circumstances or too much money - past a certain point, you need to do weird forms of diversification. Also, if you are saving part of your money for a short-term goal like a house, rather than retirement, you have to adjust the mix accordingly.

[jvanderbot]

Short term large purchases are covered nicely.

And OP definitely said "paycheck to paycheck" which seems quite normal, and didn't mention anything too strange.

But yeah, there's no one-size-fits all, but as a philosophy, this flowchart is spot on: Cover your butt, then maximize money growth by optimizing paydown / investment by interest rates, and cover your butt more over time.