been in a long time that can be scary. Do you own your home? To me, having that as a hedge against inflation, especially with a mortgage at a historically low interest rate that will become even cheaper for you to pay with future inflated dollars, is about the most comforting thing.

After that I’d make sure you’re saving a good chunk in IRAs and/or your 401k. I think at least 15% is a good target. If you can save into an HSA max that out as well. I’m not too risky with picking individual stocks. My preference is VTI or VTSAX or some other widely diversified mutual fund or ETF within your retirement accounts.

Make sure you are insured, especially with term life insurance.

Having cash on hand for emergencies is good, though. I think enough for 3-6 months of expenses is about right.

Paying tithing with long-term appreciated stock (held in brokerage accounts can save you a ton in taxes). Also bunching deductions and itemizing every other year is a good strategy.

I could go on, but I do believe that the business category here has had some incredibly insightful posts on these topics over the years.