<prompt> Human: Hello PF,I am working on a flowchart to point friends to who constantly ask how they should spend their money best. Below is a URL for people to look at, I would be interested in hearing peoples comments on how to improve this flow chart so it can be used as a teaching tool for individuals who need to learn how to wisely manage and prioritize spending.Edit 2:Link: WOW, this blew up, I was NOT expecting this to be all that popular, maybe 10 comments at most! Thank you everyone for looking at this, and Im glad so many people like it! I have made many more changes for version 3, please take a look and tell me what you think!1. Further consolidated Necessities: I moved Essential Bills and Essential Items into a single node instead of two nodes that follow each other.2. Modified the disclaimer for the Pay Income Earning Expenses node.3. Changed disclaimer on RothIRA to avoid TIRARIRA debate.4. Added disclaimer for mortgage in moderate interest debt box.5. Removed Venture Investing from last node.6. Added self improvement to the Save for large purchases node. I would like to hear some peoples opinions on where this should be placed. Before Moderate interest debts? Before Max IRA, or right where it is at?7. Multiple spelling and grammar fixes8. I would be interested in hearing peoples opinions on the placement of Health Care. Should I merge this with essential items, should I put this after income earning expenses, minimum balances on loans, etc?  <response>: than, not then 