The Three Layers
| Layer | Focus | Skip… |
| Layer 1: Survival | Build $500 emergency fund | Investing, retirement, property |
| Layer 2: Stability | Pay off high-interest debt | Complex investing |
| Layer 3: Growth | Invest in index funds | Nothing. You’ve arrived! |
| Layer | Focus | Skip… |
| Layer 1: Survival | Build $500 emergency fund | Investing, retirement, property |
| Layer 2: Stability | Pay off high-interest debt | Complex investing |
| Layer 3: Growth | Invest in index funds | Nothing. You’ve arrived! |
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