What financial accounts should everyone have and in what order should I open them?

A well-structured financial account system, in priority order: (1) Checking account — for everyday transactions. (2) High-yield savings account (HYSA) — for emergency fund and short-term goals; currently earning 4–5% APY at online banks. (3) 401(k) or employer retirement plan — fund at least to the full match. (4) Health Savings Account (HSA) — if eligible via an HDHP; invest the balance for long-term growth. (5) Roth IRA — tax-free retirement growth; fund after the 401(k) match and HSA. (6) Traditional IRA — if you are not covered by a workplace plan or want a deduction. (7) 529 Plan — if you have education expenses to fund. (8) Taxable brokerage account — for goals beyond retirement (FIRE, major purchases, general wealth building) after maxing tax-advantaged accounts.