Financial Priorities Coach

How It Works

The hardest personal-finance question is "what should I do next?" — pay debt,

save, invest, or something else? This skill places you on a priority ladder,

gives you a checklist for your current step, and defines the thresholds for

moving to the next one.

What You Get

• A personalized priority order with clear explanations for each step
• Your current step identified with a checklist
• Your next step previewed so you know what's coming
• Decision rules and numeric thresholds for when to advance
• A 30-day action plan for your current step

Setup Steps

1. Know your monthly surplus (or available lump sum)
2. List any high-interest debt with rates
3. Note your emergency fund status and employer match availability
4. Identify your near-term and long-term goals
5. Run the skill to find your place on the ladder

Tips

• The ladder is: stabilize essentials → capture employer match → build emergency buffer → eliminate high-interest debt → invest for long-term goals
• You don't always have to complete one step before starting the next — the skill shows you when to split
• If essentials (housing, food, utilities) are at risk, the skill prioritizes stabilization first
• Re-run whenever your situation changes (raise, windfall, new debt, life event)