<prompt> Human: Roughly two weeks ago, ubeached89 shared an informative flowchart on how to prioritize spending of personal income.I like what he shared and think having a flowchart of that calibre can be a useful tool, so I decided to make some alterations and revise it into something I felt would be more polished in terms of reflecting what is in the PF Wiki as accurately as possible.My goals for this revision included: Major aesthetic redesign to more closely reflect the Simplified graphical version of the How to handle PF Wiki entry Removal of arbitrary numbers and streamlining of certain node paths Reordering of certain nodes to more closely reflect the PF Wiki Reworking of some information to more closely reflect the PF Wiki Replacement of the Entertainment Expenses node with a footnote on entertainment expenses due to its highly discretionary nature and its absence from the PF WikiNo single personal income spending flowchart can truly be a one-size-fits-all thing, there are scenarios where certain nodes might need to be moved around, but the vision was to have something as close as possible to a gold standard.Keeping that in mind, here it isThe Flowchart v4: PF - Income Spending Priority Flowchart Previous Versions 1 2 3Changelog: Relocated Pay Any Non-Essential Bills in Full node after employer match nodes Added title text to indicate this flowchart is US-centric Reattached missing arrow Changed phrasing from low risk, low volatility investments to savings or checking accountDue to the progression of the How to handle entry, there is some overlap present in the flowchart, particularly related to the emergency fund steps. Ive tried a couple different things, but havent been able to successfully rework the layout without the flowchart becoming unnecessarily convolutedhectic. Id love to get any feedback or insights regarding this, or anything else. Your thoughts would be appreciated :Again, the inspiration came from ubeached89, so thanks to him for laying the groundwork for this. Id also like to extend thanks to udequeued who has given extensive feedback to help shape this into something that aligns well with the PF Wiki.I hope this is beneficial, and thanks for any feedback or thoughts you leave. If the consensus is there, Ill make sure to update as soon as Im able to.Edit 1: I am reading the feedback! Thanks for all the comments, I truly appreciate it. I have uploaded a new version of the flowchart. Changes may be slow, we want to make sure that any changes made stay true to the PF Wiki, so thank you for the patience :Edit 2: After some discussion, I have reverted the changes implemented which relocated the Pay Any Non-Essential Bills in Full node. As much as it seems logical that it would be something done after employer matching, its not realistic or reasonable, particularly when we consider that many people will be utilizing a chart such as this will already be on contracts for Internetphone services. As such, these bills do need to be paid before employer matching.  <response>: I made one too, for those of us who dont have 20-50K to set aside. 