Most people are told twenty things to do and no order to do them in.
There is an order. Here it is, and which step you are on.
Working out where you are…
Seven numbers, and it becomes yours
Nothing is compulsory, and nothing here is shared or sold. Leave a box blank
and that step will say so rather than guess.
After tax. Salary, business, rent, all of it.
Rent, food, bills, travel. Not one-off holidays.
Cash you can reach today. Not invested.
Deposits, funds, shares, gold. A rough total is fine.
Loans, credit cards, money borrowed from family.
All your loan instalments added together.
Changes what is worth telling you. Nothing else.
Anyone who would struggle if your income stopped.
Your own policies, not just your employer's.
Stays on this device until you make an account.
What this is. A general order, the same one in any personal finance
textbook, with your numbers against it. Not advice built around your
situation, and it does not know what you have not told it.
M∞ is an educational planning tool, not a registered
investment adviser. Before anything large, especially insurance or a big commitment,
talk to someone qualified who knows your whole situation.