Financial Order of Operations (FOO)

Financial Order of Operations (FOO) — the waterfall deciding where the next peso goes, localized by this course as: starter buffer → term insurance/HMO (never VUL) → kill high-interest debt → full emergency fund → MP2/PERA → global index core → satellites. Independent curricula (Money Guy, Bogleheads, RFP Philippines, Vince Rapisura) converge on nearly this order because it is a dependency graph: each rung protects the one above from forced liquidation.

First used in: 1.2 · The PH order of operations