I believe people should have flexibility in this area. Make sure you're putting enough into your plan. Those are the ones that I think should be priorities. It's not going to grow very fast. Many people get into debt because the use their credit cards to fund what should be taken out of reserves.
Car goes on the blink, kid gets sick, etc.
If you feel that you can't develop a financial plan, you need a planner. Sarge How about someone like me who is retired and receiving a tax free income. Laugh Out Loud. Even when you're retired, you need to invest it in things that grow faster than inflation. Stock market, etc.