Health

Insu

rance

Health

Insu

rance Life InsuranceLife Insurance

Wills

Wills and

and Trusts

TrustsOther InsuranceOther Insurance

Rainy Day FundRainy Day Fund(Safe, liquid)(Safe, liquid)

Tax-advantaged Tax-advantaged Retirement FundRetirement Fund

Food StorageFood Storage Other InvestmentsOther Investments( Index Funds)( Index Funds)

TithingTithing OfferingsOfferings SelfSelf--

SufficiencySufficiencyAttitudeAttitude

GarbageGarbage::Consumer DebtConsumer Debt

GamblingGambling

DerivativesDerivatives

Identity TheftIdentity Theft

Budget/PlanBudget/Plan

TaxesTaxes

Home BuyingHome Buying

PrioritiesPriorities

While Balancing the BudgetWhile Balancing the Budget (behavior, relationships, (behavior, relationships, values, human capital):values, human capital):

1.1. Settle the SacredSettle the Sacred (tithes and offerings), (tithes and offerings),

2.2. Manage the MisfortuneManage the Misfortune (basic life, health, disability, (basic life, health, disability, auto, and home insurance), auto, and home insurance),

3.3. Discharge the DebtDischarge the Debt (credit cards, bondage, FICO), (credit cards, bondage, FICO),

4.4. Anticipate the AdversityAnticipate the Adversity (rainy-day fund, food storage, (rainy-day fund, food storage, will),will),

5.5. Snatch the MatchSnatch the Match (401k, 403b, 457, SEP, Keogh, SIMPLE), (401k, 403b, 457, SEP, Keogh, SIMPLE),

6.6. Fund the FavoredFund the Favored (IRA, Roth IRA, 529, Annuities), (IRA, Roth IRA, 529, Annuities),

7.7. Stuff the SavingsStuff the Savings (diversify across assets and time), (diversify across assets and time),

But Possess a Purpose and Preserve a But Possess a Purpose and Preserve a PerspectivePerspective