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while its difficult to dictate an exact order that will be appropriate for everyone there are some general guidelines that most agree on number one obtain any available employer match missing out on this is like leaving part of your salary on the table number two eliminate high interest rate debt were talking eight percent plus this risk-free investment provides a guaranteed return that youll need to take docHub risk to beat number three fund a health savings account or hsa if a high deductible health plan is right for you number four fund all available retirement accounts this includes 401ks 403bs individual 401ks profit sharing plans sep iras simple iras backdoor roth iras etc remember you may be able to have multiple 401ks fund the tax-free roth accounts first unless youre in your peak earnings years and dont expect to be able to max out both your tax deferred and tax-free accounts for the year number five consider 457b and other deferred compensation plans if available n