Start by saving $1,000 in a “start-up” emergency fund, to begin transforming your spending behavior (most easy but difficult mental step)
Payoff all of your debt, including credit cards, car loans, and student loans (from lowest to highest), except your mortgage
Build up 3-6 months of fixed expenses in a free-risk savings account
Invest 15% of income toward retirement in 401k and/or Roth IRA
Save for your kids college, using an ESA account (similar to a Roth IRA), if you have kids
Then, payoff your mortgage
Build wealth and share it with others!