Not everyone has stable income. And for them, attacking debt isn’t always possible, especially after they go to get their car inspected and have a $1000 bill to settle in order to get to work for their unstable income. That’s starting your emergency fund goes first.

You need your initial emergency fund to reasonably cover “a bump in the road”. You then get stable, attack debt, and build emergency fund to be 3-6months expenditures, in case of a serious emergency.

Only then do we begin gambling in the investment markets.