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Isn't it time you started to think about #1? An emergency or rainy day fund is good "sleep insurance" for you. Use The ROTH for this purpose as these deposits are always tax-free and 100% available for you. As a plus, the earnings will grow tax-sheltered and at high and insured long term rates. Then keep adding to your ROTH savings as these will grow faster than regular savings and savings goals are reached faster or with more money. Or keep your ROTH growing until your retire or stop working when over 50% of the income you will need to support yourself will come from personal savings like a ROTH. Along your financial way use the basic steps for building personal wealth:
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