Your Investment Order Is Probably Wrong (Here's What Actually Works)

If you want to invest your money, the smartest move might be changing the order, not picking better stocks. This video lays out the step-by-step order to invest so your next dollar does the most work for you, instead of paying interest, fees, and taxes in the background.

Joe starts with a reality check: millions of people are buying stocks, ETFs, or crypto while a $400 surprise would force them to borrow, sell, or fall behind. Then he explains the “leaky bucket” problem, investing while carrying high-interest debt and living one breakdown away from cashing out at the worst time.
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Disclaimer: For Education and entertainment only; not financial, investment, tax or legal advice.

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0:00 – Doing “the responsible thing” but still broke (investing while in debt)
1:02 – Why most people invest out of order: $400 emergencies & tiny savings
2:18 – The real game: what should your next dollar do first?
3:25 – The money ladder overview: fix leaks before picking investments
4:32 – Emergency fund stages: $1k buffer → 1 month → 3+ months expenses
5:58 – High-interest debt as a negative investment (minimum payment trap)
7:20 – 401(k) employer match: the boring cheat code you can’t skip
8:46 – IRA vs 401(k): low-fee index funds, Roth vs traditional, fee drag
10:18 – HSA triple tax advantage: turning health costs into a wealth tool
12:00 – After the tax shelters: more 401(k) + taxable brokerage for goals
13:42 – Fun money & stock/crypto bets: 5–10% sandbox so you don’t wreck retirement
15:18 – Late starters, student loans & fixing your money order at any age
17:06 – Version A vs Version B: same income, totally different future
18:45 – The step-by-step order: emergency fund → take down high-interest debt → match → IRA → HSA → more 401(k) → taxable + capped fun money

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Contact: catchjoecontact@gmail.com




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