Financial Health

An emergency fund is prioritized because it can prevent predictable financial shocks from becoming credit card debt. Credit card debt is prioritized after emergency protection because credit card rates may be much higher than student loan rates. The financial material is broad practical guidance rather than individualized financial advice. Student loan repayment is framed around principal reduction after emergency savings and high-interest debt are addressed. The article recommends a sequence of emergency fund, high-interest debt elimination, student loan payoff, retirement saving, and intentional spending. Financial health is framed as an important part of overall health for movement, fitness, and rehabilitation professionals.