The Exact Order To Invest Your Money (Most People Get This Wrong)

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A lot of people invest in the wrong order. They focus on stocks and crypto even though they have 22% credit card debt and no emergency savings. That’s like trying to fill a bucket that has holes in it.

The order in which you invest is just as important as how much you invest. If you get it wrong, you could miss out on tens of thousands of dollars. If you get it right, you can get ahead of most people without needing to pick the next big stock.

📌 WHAT YOU’LL LEARN:
Why the emergency fund is the foundation that everything else depends on
Why paying off high-interest debt is a guaranteed return
Why employer matching comes before almost everything else
When your IRA should take priority over your 401k
How the HSA triple tax advantage works — and why most people ignore it
Why taxable accounts are the last stop, not the first

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⏱️ TIMESTAMPS:
0:00 – The Stat That Should Wake You Up
0:46 – Why This “Boring” Step Saves You From Everything Else
3:24 – The Guaranteed Return Wall Street Won’t Sell You
5:23 – Free Money — But There’s One Catch
6:49 – Why Your IRA Should Come Before More 401k Contributions
10:03 – The One Account That Beats Everything (If You Qualify)
12:27 – When You Finally Get to Play Offense
14:37 – My Honest Thoughts

📚 SOURCES:
Empower Emergency Savings Survey (2025): https://www.empower.com/the-currency/money/over-1-in-5-americans-have-no-emergency-savings-research

Vanguard Emergency Savings Study (2025): https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/emergency-savings-may-hold-key-financial-well-being.html
Bankrate Credit Card Rates: https://www.bankrate.com/finance/credit-cards/current-interest-rates/
IRS IRA Limits 2025: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
IRS 401k Limits 2025: https://www.irs.gov/newsroom/401k-limit-increases-to-23500-for-2025-ira-limit-remains-7000
IRS Publication 969 (HSA): https://www.irs.gov/publications/p969
Fidelity Healthcare: https://www.fidelity.com/viewpoints/personal-finance/plan-for-rising-health-care-costs
BEA Personal Savings Rate: https://fred.stlouisfed.org/series/PSAVERT
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ABOUT ME 👇

My mission is to provide my viewers with actionable content that helps them build financial wealth. My videos reflect my real-world experience as a real estate investor, stock market investor, finance major, and entrepreneur.

This channel allows me to share my passion for personal finance, stock market investing, real estate investing, and entrepreneurship. I produce content that I would want to watch, and because of that, I give 100% effort in every video that I make. I also believe in complete transparency and open communication with my audience.

DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. You must conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at NO additional cost to you, I may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact my opinion.

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