In the personal finance knowledge, any good financial decisions will provide more value for the future than the present. Think of good decisions you have ever made, choosing to cook food at home or eating in restaurants, take public transportation or ride bike to work instead of taking own car to save gas, buy education insurance or investment products for children and so on. All this leads to a principle that is save more for the future.

# The first and most important priority: pay off your consumer debt as soon as possible. The sooner is the better.
# Check loan repayment expenditure, is it <= 30%? If more, it means your debt burden is too heavy and not at risk paid off.
# The second priority, saving at least 10% of your revenue. The higher is the better.