Irish personal finance flowchart have multiple steps, starting from financial budgeting, reducing expenses, set realistic goals, followed by building an emergency fund, employer-matched/pension contributions, pay-off debt, required investments, save more for retirement, and save more for other goals and advanced methods. It should be noted here that a flowchart is a picture of the separate steps of a process in sequential order. It is a generic tool that can be adapted for a wide variety of purposes and can be used to describe various processes, such as a manufacturing process, an administrative or service process, or a project plan.