[Cody]

Here is a typical contribution order of operations on the path to FIRE:
1. Traditional 401(k)/403(b) up to the full employer match

2. ESPP

3. HSA

4. Traditional 457(b)

5. Traditional 401(k)/403(b) remaining

6. Roth IRA (may require backdoor)

7. Mega-backdoor Roth 401(k)/403(b)

8. Taxable brokerage

Notice that some options may not be available and would be skipped.

[Matthew]

Add first, then subtract. If you can multiply at some point great but always try to avoid dividing.

[Al]

Save, invest, agonize over spending in retirement

[Steve]

I don’t know that Choose FI has done an “order of operations” as much as they’ve demonstrated all kinds of options to take.

Just pick one, and do 1% better.

(But listen to the money guys for a more step by step plan.)

[Jake]

1) Retirement match options.
2) emergency fund

3) high interest debt

4) best tax deferred investment options

5) low interest debt / non tax deferred investments per your discretion.

This is my simplified opinion, assuming typical options.

Not detailed or fit for every situation.

[Author]

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