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What app do you use for monthly budget?
1. Contribute to 401k up to employer match
2. Save 6 month emergency fund in HYSA
3. Contribute maximum to Roth IRA
4. Contribute max to HSA if you have a HDHP
5. Contribute maximum to 401k
6. Donate to charity
7. Treat yourself
8. Save cash for a big ticket item like car, vacation, down payment
9. Invest in taxable brokerage account like Fidelity or Vanguard (whoever you have your IRA with)
That’s it, you got it
What is the benefit of donating to charity besides feeling good about it? I personally do volunteer work
It’s a personal choice. I prefer to donate money rather than time because most people don’t have that option.
Hopefully resolution stays intact
You should be able to find by going on Google and searching for something like "personal finance flowchart Reddit"