Maybe you should look further afield and see what other, more established, more experienced people say about the matter.
See what applies to your situation. Reading the book Rich Dad Poor Dad by Robert Kiyosaki might be a good start for you. It talks about the difference of how the rich save their money to spend on income producing assets, while the poor waste their money and live beyond their means.
There are plenty of other opinions out there. I for example have my own opinions too.
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