In pursuit of good financial health, which of the following should be your first step?

	In pursuit of good financial health, which of the following should be your first step?
	Purchase insurance, because you must protect what you have before trying to make more of it
	Pay off loans, because debt reduction should always be the first step
	Make a budget, because you must begin with an understanding of your situation and a manageable plan for change
	Save for retirement, to take best advantage of the time value of money