+ Do you have your debt in order?

Have your debt in order.  It's very common to borrow money to get started in life; maybe you have student loans, car payments, a mortgage, some store cards or credit cards, etc.  Debt for many is a fact of life.  But financial planning is about saving for future goals and then leveraging that savings to meet current goals.  If there isn't an opportunity to save or invest, that's OK...but then you probably need to focus on paying down debt prior to paying for longer term advice.  It's doesn't mean you need to be debt free, but you should have the ability to save, first.

Here is a resource to help you with debt reduction: https://zilchworks.com/