This is not financial advice but here’s what I do:
High level - "Earn, Save, Invest"
In order for your money to make more money you need to execute all three steps: Figure out how to make money, manage not to spend it, and produce a return from that money.
Try to optimize each step. Make more money if you can / are comfortable (deserve a raise? change companies/jobs? start a side hustle?). Spend less (make and live by a budget, cook your own food, buy used, get cheap hobbies, stop keeping up with the Joneses). Understand the tax efficiency, risks, potential returns, and effort required from different types of investments.
I take credit for none of the ideas above, they are cobbled together from various online sources. Some things to search / places to start: Reddit personal finance flowchart, The Millionaire Next Door, Index / Boglehead investing.
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