{"id":21,"date":"2026-09-27T17:00:00","date_gmt":"2026-09-27T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/shalettefreemanmortgageprotection-com\/2026\/09\/27\/set-your-savings-priorities\/"},"modified":"2026-09-27T17:00:00","modified_gmt":"2026-09-27T17:00:00","slug":"set-your-savings-priorities","status":"publish","type":"post","link":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/2026\/09\/27\/set-your-savings-priorities\/","title":{"rendered":"Set Your Savings Priorities"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/shalette\/set-savings-priorities-remotion-videos-815c\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>High-interest debt comes first: credit cards top the list, with costly private student or personal loans next because steep interest can quickly undermine other goals.<br \/>\nNext priorities are building a 3-12 mo safety net for surprises or unemployment and contributing enough to capture the full employer 401(k) match.<br \/>\nAfter that come tax-advantaged retirement options like Roth IRAs, HSAs, and added 401(k) or 403(b) savings, then taxable brokerage accounts for flexibility.<br \/>\nFor families focused on education, 529 plans remain efficient college tools, while low-interest debt like a low-rate mortgage generally stays lower priority.<br \/>\nA new child savings account can fit only after retirement, brokerage, and college goals; overall, the hierarchy stays flexible and based on goals and values.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>High-interest debt comes first: credit cards top the list, with costly private student or personal loans next because steep interest can quickly undermine other goals. Next priorities are building a 3-12 mo safety net for surprises or unemployment and contributing enough to capture the full employer 401(k) match. After that come tax-advantaged retirement options like [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":42,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-21","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/posts\/21","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/comments?post=21"}],"version-history":[{"count":0,"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/posts\/21\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/media\/42"}],"wp:attachment":[{"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/media?parent=21"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/categories?post=21"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/tags?post=21"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}