• Phase0 = SE cover u(any progs) & m=$ ("idk if fudsts")
    • Jan-Apr reserve if t time
      • gbt no can claim dept
    • gbt full m bug extend
      • s worker gen letter
      • if find any $=not enough, only temp upski (decreasing while jsd), need m until selfsuff ("pay back" (anyway))
      • &can still reven like kickout
  • asap PhasePTSav = SE <400wk(4healthc) (ideal grow replace belows)
    • gbt at least sav enough (jic can't alt with below)
  • PhaseNoM:
    • possibly"FT"OwnHome
      • ina find new live bu wise for:
      • ownhome SE jsd
      • SE new live
    • possibly♿︎8LongTermPT = mp+fone SE jsd
  • if need (other list) safer less reg changes:
    • possibly"FT"OwnHome (above)
      • possibly SE multiple pt?
    • possibly NWF and/or fix-ups (other list sooner)
      • if new live SE bu wise
    • possibly SE grad? gbt
      • (gbt if ♿︎8 reset, still NoM & better)
      • test etc
    • possibly FB for better? gbt
    • ina ask safe ♿︎sw/advis ?
apr 14 2026 ∞
apr 14 2026 +