Good article, good read. I think another important point can be added to this - "you have to maintain a home for yourself to live in" AKA "don't lose your house". This is very important. You said 3 - 6 months emergency funds - this is good. If you don't have enough money to pay for a house, you'll be homeless. The most important thing in wealth management is to protect yourself from becoming homeless. You might also think about insurance against theft, fire, earthquake, etc. accident inside the house.
Now, you can live in a house even if you are in debt. The main thing is to have somewhere good enough to sleep every night. But, of course, the less debt you have the better.
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