There's one piece of money advice nobody has ever gotten in trouble for giving:
"Save more for retirement."
Start early. Get the match. Bump the percentage. Throw your raise at it. Max it out.
It's good advice. It's also incomplete, and past a certain point, it's the wrong answer given confidently.
Because your next $1,000 has more than one possible job. It can compound for 30 years in a 401(k). It can also kill a 22% credit card, stop a job loss from becoming a disaster, buy a house, or turn into a raise.
Those aren't equal. They're not even close.
So the real question was never "how much should I save for retirement?"
It's: what's the highest-paying job for my next dollar?
Let's build the actual order. 👇