Consider items you want to buy. Why do you want them? Why are they important for you to have? Now consider other places you can spend money or ways to save money. What could you do with your money to help improve your current financial status? Why?
Bring in more money than you spend, leaving a surplus. [ There are only two levers you can pull to achieve this.
Place this surplus in some sort of tax-advantaged entity, account, plan, or organization
Put that surplus to work for you as you would an employee, avoiding unnecessary risk and earning a return that exceeds taxes and inflation by a comfortable margin.
Add to these funds year after
year by depositing new surplus capital and reinvesting the cash generated by your holdings
Wash, rinse, and repeat for several decades.
There are no new answers.