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![]( "Your Money Guide to Financial Independence 2")
Finances can be like New Year’s resolutions; we have the best of intentions but then get lost in how to actually achieve our goals. I know when I am unsure of where to start, a concise list of next steps can truly help. Get a plan together and take action on your finances:
- Start your small emergency fund: We like to say three to six months, but if you are just starting out, one month of leeway is a huge milestone. You can always revisit this step later.
- Get the free money: Contribute to your 401(k)/TSP, at least up to your employer match.
- Make HSA contributions: These reduce your taxable income and grow tax-free should you decide to invest it. It is a gold mine for early retirement!
- High-interest debt: Use the “avalanche” or “snowball” method to wipe out your debt.
- Track your spending: I am old school, and I find an Excel spreadsheet with three months of past expenses that can serve as a great average for your spending. A tracking app works great, too!
- Use your individual retirement account (IRA): Contribute to Roth or traditional IRAs based on your individual needs.
- Invest in a brokerage account: Investing in a brokerage account is necessary to access cash before retirement.
- Increase your income: Invest in real estate, pick up extra hours, or start a side hustle.
- Be generous: Don’t forget that you can help others on their path to FIRE. Start a 529 or a donor-advised fund (DAF).
If you aren’t sure what to prioritize, I like to make sure that any account that has a year-end or tax-filing deadline are maxed out before it’s too late. Remember that any of these actions will get you closer to your FIRE goal!