Four steps, in this order

Most money advice is right but in the wrong order. Do these four things one after the other and each step makes the next one easier.

  1. Make a budgetGive every euro a job before the month starts.
  2. Build an emergency fundThree to six months of essentials, kept somewhere safe.
  3. Deal with expensive debtClear high-interest balances before you invest.
  4. Start investingLet compound growth do the heavy lifting.