This is good advice but far more technical than I was trying to give. I was trying to give very easily actionable advice for the average person who doesn’t know much about personal finance and may not be a numbers person like I and maybe you are. The kind of person I was aiming for isn’t going to be contributing more than 10% of their income to retirement and probably has a couple of car loans and some credit card debt and/or personal loans floating around that they should sort out but might not ever get fully sorted.

If they’ve worked jobs with 401k retirement accounts but don’t work there anymore, they should go to the bank and ask about meeting a retirement advisor to roll that into a IRA or similar and probably make a small monthly contribution to their IRA as well as their current job’s 401k retirement account. That’s the gist of my advice. If they want to actually put in the work to learning more about personal finance and fully take the reigns your above flow chart is brilliant, but I think that’s far more complex than who my advice was aimed at.