My goal isn’t to have the highest score. My goal is to have fuck you money. Fuck you money lets you control your life, time, and energy. Some one wants to try and violate that, they can go fuck themselves. 

To me that is 3-6 month emergency fund in cash. Land, house and vehicles are as secured as possible. Some fixed rate debt is ok as long as it is well covered by consistent income. Throw in some guns, goats, beans, and bullets if your into that kinda thing. 

Once that’s secure, I’m stacking as many fucking sats as I can.