#235: Chris shares his personal 10-step money allocation framework to help prioritize savings, investments, and financial flexibility. He also dives into advanced strategies for tax optimization, liquidity, and real-world application through listener questions.

Link to Full Show Notes: https://chrishutchins.com/10-step-money-allocation-framework

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Resources Mentioned

Brian Feroldi’s Emergency Fund Size Formula

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Direct Indexing: Frec

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Full Show Notes

(00:00 ) Introduction

(02:03 ) Quick Episode Overview

(03:37 ) Step 1: Operating Cash

(05:14 ) Step 2: Employer Match

(06:21 ) Step 3: Urgent Debt Payoff

(07:56 ) Step 4: Safety Net

(11:49 ) Step 5: Short-Term Goals Fund

(13:30 ) Step 6: Debt Review

(15:44 ) Step 7: Tax-Advantaged Investing

(21:38 ) Step 8: Brokerage Investing

(30:16 ) Step 9: Education Investing

(31:23 ) Step 10: Optional Debt

(32:48 ) Why You Should Prioritize Liquidity

(37:51 ) Types of Alternative Cash Savings

(40:48 ) The Margin Call

(43:28 ) Listener Q1: Strategy for Using Money from House Sale

(47:07 ) Listener Q2: How to Leverage Tax-Loss Harvesting

(50:35 ) Listener Q3: Effective Ways to Manage Your Investment Portfolio

(55:00 ) Listener Q4: Thoughts on Financial Advisors

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