A clear order for your money. Built around your situation.
Pick the situation closest to yours.
Your match and cash cushion come first.
Why: Your employer adds money when you contribute, so capture the match before funding unmatched accounts.
Target: $500/mo for full match
Why: A cash cushion covers surprise bills without taking on debt or selling investments.
Target: Save $700/mo until about $7,800.
Target: $300/mo for full match
Why: Federal tax breaks on deposits and qualified medical withdrawals put this ahead of extra retirement savings.
Target: $350/mo to HSA
Why: Tax-free qualified withdrawals make this a useful next home for long-term retirement savings.
Target: $650/mo to Roth IRA