162. Savings First, Retirement Second, Debt Third
Thu Feb 05 2026
What should you do first when you get a big chunk of money?
In this episode, I walk you through my 3-step money prioritization method and the exact framework I teach my 1:1 clients when they get a bonus, settlement, tax refund, or any kind of windfall.
We’re breaking down how to make your money work now and for your future self — without falling into the trap of panic-paying debt at the expense of your financial safety net.
In this episode, you’ll learn:
✅ Why “saving first” protects you better than a $0 credit card balance
✅ How to prioritize retirement without ignoring debt
✅ Why throwing all your money at debt could leave you more vulnerable later
Interested in 1:1 money coaching, book a call here.
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What should you do first when you get a big chunk of money? In this episode, I walk you through my 3-step money prioritization method and the exact framework I teach my 1:1 clients when they get a bonus, settlement, tax refund, or any kind of windfall. We’re breaking down how to make your money work now and for your future self — without falling into the trap of panic-paying debt at the expense of your financial safety net. In this episode, you’ll learn: ✅ Why “saving first” protects you better than a $0 credit card balance ✅ How to prioritize retirement without ignoring debt ✅ Why throwing all your money at debt could leave you more vulnerable later Interested in 1:1 money coaching, book a call here.