Where Should My Next Dollar Go?
Not sure what to do with extra cash? Without a plan, it’s easy to overspend, under-save, or let your money sit idle.

This flowchart helps you think through your financial order of operations—a step-by-step way to prioritize each dollar based on your unique goals.

You’ll consider:

• Whether your financial foundation is secure (emergency fund, insurance, debt)

• If you're making the most of employer benefits or matching opportunities

• What goals matter most right now—retirement, debt payoff, future purchases

• Which strategies or accounts best support those goals

Put your money to work in a way that supports your life—not just your balance sheet.