These are mostly solid, common(?) sense suggestions. The one thing I somewhat disagree with is your suggestion to follow Elizabeth Warren's 50/30/20 budget.

What's supposed to be "one-size-fits-all" is actually "one-size-fits-few-well-fits-many-sort-of-and-fits-many-more-poorly" as I describe here: https://medium.com/financial-strategy/this-is-why-you-really-need-to-avoid-elizabeth-warrens-budget-method-5903597a791b.

For those making too little, 50% isn't enough for needs. For those making high incomes, spending 50% on needs is way too much, and saving 20% is far less than they can.