Anyone's personal financial plan overview

Hello everyone! It has come to my attention that my friends and family would love some free financial common sense. This is the first installment of the overview. Over the next week I will finish the overview and start examining each step in depth. So subscribe, comment, and enjoy.

1. Listen to NPR's Marketplace money's weekly podcast. This program gets the basics right and is easily digested. If you love it and want more there is a daily Marketplace podcast as well. All are free and very useful.
2. Subscribe to Money magazine and read it! You can ignore their individual stock picks (more on that later) but their tax, investment, consumer, and policy info is second to none
3. Make a Budget.
4. Pay off your credit cards. Why didn't I think of that?! Well you do need to get a handle on this or your financial life will rule you.
5. Pay off any debt that is not mortgage or student related. The key here is to pay off the higher interest rate loans first. A mortgage and student loans are considered "good debt".
6. Save 6 months worth of living expenses in a money market fund or CD ladder. The money must be liquid (easily withdrawn)
7. Participate in your company's 401k or 403b at least to get the company's match.
8. If you are Self-employed you can open a SEP-IRA in addition to the $5000 in your Roth/IRA. This year you can save up to $49,000 in a SEP-IRA. It just has to be 1099 income.
9. If your company offers a Roth option take it. Any money you put in plus gains  will be tax free when you withdraw it. 
10. Give every raise you get to your online Roth IRA. You can have any amount diverted from your paycheck to another account that funds your Roth IRA. When you get to $5000 a year in your Roth/IRA go to next step.
11. Give every raise you get to your 401k/403b until you hit the annual maximum (2011 = $16,500) This could take a while. more to come!