Your Investment Order Is Probably Wrong (Here's What Actually Works)

Описание: If you want to invest your money, the smartest move might be changing the order, not picking better stocks. This video lays out the step-by-step order to invest so your next dollar does the most work for you, instead of paying interest, fees, and taxes in the background.

Joe starts with a reality check: millions of people are buying stocks, ETFs, or crypto while a $400 surprise would force them to borrow, sell, or fall behind. Then he explains the “leaky bucket” problem, investing while carrying high-interest debt and living one breakdown away from cashing out at the worst time.
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Disclaimer: For Education and entertainment only; not financial, investment, tax or legal advice.

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0:00 – Doing “the responsible thing” but still broke (investing while in debt)
1:02 – Why most people invest out of order: $400 emergencies & tiny savings
2:18 – The real game: what should your next dollar do first?
3:25 – The money ladder overview: fix leaks before picking investments
4:32 – Emergency fund stages: $1k buffer → 1 month → 3+ months expenses
5:58 – High-interest debt as a negative investment (minimum payment trap)
7:20 – 401(k) employer match: the boring cheat code you can’t skip
8:46 – IRA vs 401(k): low-fee index funds, Roth vs traditional, fee drag
10:18 – HSA triple tax advantage: turning health costs into a wealth tool
12:00 – After the tax shelters: more 401(k) + taxable brokerage for goals
13:42 – Fun money & stock/crypto bets: 5–10% sandbox so you don’t wreck retirement
15:18 – Late starters, student loans & fixing your money order at any age
17:06 – Version A vs Version B: same income, totally different future
18:45 – The step-by-step order: emergency fund → take down high-interest debt → match → IRA → HSA → more 401(k) → taxable + capped fun money

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