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money-priorities-order

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Decide where your next dollar should go — the order to tackle emergency fund, high-interest debt, retirement match, and saving/investing — so you stop guessing and build momentum. Use when asked what should I do with my money first, pay off debt or save, where to put extra money, or help me prioritize my finances. Produces a personalized order-of-operations for your situation, the reasoning for each step, where you are on the ladder and the next concrete move, and honest flags on the judgment calls. Educational — not financial advice.

plugins/pm-money/skills/money-priorities-order/SKILL.md

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# Money Priorities Order

Most money stress isn't "how do I budget" — it's "I have some money (or some slack), what do I do with it *first*?" Pay debt or save? Invest or build a cushion? This lays out a sensible order of operations for your situation, shows where you currently sit on that ladder, and names the single next move — so you act with a plan instead of guilt and guessing.

## What This Skill Produces

- **A personalized order of operations** — the sequence (starter emergency buffer → employer match → high-interest debt → full emergency fund → tax-advantaged investing → goals), adjusted to your reality
- **The why for each step** — the logic (e.g. free match beats almost everything; high-interest debt beats most investing returns)
- **Where you are now** — which rung you're on and what's already handled
- **The next concrete move** — one clear action, not the whole ladder at once
- **The judgment calls** — where reasonable people differ (e.g. small debts for momentum vs. highest-rate first) flagged honestly

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