08/24/2026
Mortgage? Retirement? Kids’ college? Everyone asks what to fund first. Here’s the order ⚡️
✅ Phase 1: Kill high-interest debt (credit cards, not your mortgage) + 1 month emergency fund.
✅ Phase 2: Retirement becomes the priority + grow that emergency fund to 3–12 months.
How much? Depends on YOU. Single parent with swinging income? Save more. Two incomes, no kids? Run leaner, invest more.
One rule for everyone: don’t let it sit in a big-box bank earning nothing. 💸 Hello HYSA!!
Save this so you always know where your next dollar goes.
Which phase are you in? 👇
Follow Stephanie Xenos 💸 CEO + Speaker + Wealth Coach for more and find me on the net! Let’s chat financial goals and how Ignite can support you 💚