The graphic combined with the fillable spreadsheet are fantastic tools to first identify where you are on your wealth journey but also the steps you should consider following and in the suggested order to follow them. It really does not matter where you are now - no judgements here, what matters is that basics are covered and then steps can be followed to get you on your path.

I am a believer that building your personal Pyramid of Wealth - starting from the foundation up - creates the best habits and long term investors

That sounds like a well thought out plan Tammy. An easy way to think of it is to first think of different investment vehicles as tools to meet goals. Then categorize objectives, plans to time frams such as Short (1month - 3 years) Medium (3-5 years) and long (6 plus years). Then simply match an appropriate tool to your time frames. For example - in Canada short term tools may be savings accounts, Tbills and laddered GIC portfolios of 1, 2, and 3 years. A long term may be a Balanced or Equity Mutual Fund or House