Every personal finance “expert” has a step-by-step program for you to follow.Some say pay off debt first. Others say save first, then pay off debt. Some say pay off your lowest balance debt first, others say focus on the debt with the highest interest rate.There’s a ton of information out there, and everyone thinks their way is the best way.I believe there are very few (if any) hard-and-fast rules that apply to everyone's situation. Because as cliche as it is to say, personal finance is personal.This episode gives you a general plan you can follow and customize to help you decide:If you should focus on saving money or paying off debtWhen and how much to save for emergenciesWhich debt to pay off firstWhen to start investing for retirement, and more.If you're not sure where to start or what to focus on next with your finances, start here.Free resources mentioned:Undebt.it (affiliate link)The Define Your Wealth Workbook

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