2024-09-06 at

Forum : Heuristic for Monthly Savings

1. Pay off debt with largest negative consequences first ( usually that means highest interest rates, but there may be worse things that interest rates )

1.1. Bills are debt, and the ones with no consequences are paid last.

2. Survival : bit of a balance between eating just enough to stay awake, and eating enough to grow. Definitely do not eat for fun, unless fun is in such short supply that it stops you from waking up.

3. Save a specific % of income each month.

4. Use the rest to have fun.

4.1. Periodically review the balance between 3 and 4

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