@MDM Man, I already really like you. You are very helpful. I finally started reading the links you sent. I have so much to learn.
0Establish an emergency fund to your satisfaction DONE
1. Contribute to your 401k up to any company match I GET NO MATCH ON ANYTHING
2. Pay off any debts with interest rates ~5% or more above the 10-year Treasury note yield. SEE MY ANSWER TO #7
3. Max HSA I HAVE NO IDEA WHAT THAT IS
4. Max Traditional IRA or Roth (or backdoor Roth) based on income level DONE
5. Max 401k (if 401k fees are lower than available in an IRA, or if you need the 401k deduction to be eligible for a tIRA deduction, swap #4 and #5) DOING THE 403B ROTH
6. Fund a mega backdoor Roth if applicable. I HAVE NO IDEA WHAT THIS IS
7. Pay off any debts with interest rates ~3% or more above the 10-year Treasury note yield. I DONT HAVE ANY DEBT BESIDES MY HOME
8. Invest in a taxable account and/or fund a 529 with any extra. I WAS THINKING THE VTSMX WOULD BE THE #3 PLACE FOR MY EXTRA $$$$$ (WHAT I HAVE BEEN DOING FUNDING THE 403b ROTH AND MY WIFE AND I'S ROTH IRA), PROBABLY SHOULD DO THE 529, I HAVE THREE SMALL KIDS.
This ladder thing is really tripping me out.