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Automate savings the day you get paid — before you can spend it $200/month at 7% for 30 years = $227,000 Pay off highest-APR debt first — avalanche beats snowball mathematically Check HYSA rates — top accounts pay 4.5–5.2% APY right now Max your HSA — the only triple-tax-advantaged account available Quarterly estimated taxes due if you earn $400+ from self-employment Automate savings the day you get paid — before you can spend it $200/month at 7% for 30 years = $227,000 Pay off highest-APR debt first — avalanche beats snowball mathematically Check HYSA rates — top accounts pay 4.5–5.2% APY right now Max your HSA — the only triple-tax-advantaged account available Quarterly estimated taxes due if you earn $400+ from self-employment

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