Despite what some people like to tell you, a healthy financial life doesn’t have to be complicated. The right simple things will help you get your money ducks in a row.

In order:

• Save up $1000 or a single paycheck, whichever is less, in a high yield savings account.
• Eliminate high-interest, high-threat debt like credit cards.
• Contribute enough to get your retirement account match, or add 5% of your monthly income to an individual retirement account if you do not have a workplace plan/match.
• Increase emergency savings to at least 3 months of expenses in a high yield savings account.
• Pay down any low-risk debt that is creating stress in your household.
• Save 15% of your monthly income in a retirement account.

In any order:

• Spend, save, and give in ways that create joy and align with your values.
• Know your net worth.
• Create at least one income stream, preferably more.
• Plan and manage your monthly cash flow in a way that works for you.
• Right-size your insurance coverage.
• Make an estate plan.
• Calculate your retirement target.
• Grow your generosity practice.