[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.