When prioritizing how the next dollar should be saved, factors such as liquidity needs, employer match (if available), contribution limits in various account types and loan obligations should be considered. The first savings priority should be to build an emergency reserve to cover 3 to 6 months of living expenses. Next, take advantage of any company match to get “free money.” Unless there are relatively high interest loans, putting more funds in retirement accounts or Health Savings Accounts, up to their contribution limits, can help maximize their preferential tax treatments.