Every time you earn a dollar you should allocate where each penny will go. At least 10% should be invested in assets like the stock market, real estate, bonds etc. You should tithe (give to charity) another 10%. Most of us are so blessed to be in the positions we are no matter how bad they may seem at the time when you look at the bigger picture. When you give away 10% of your income you remind yourself of all the abundance around you and you train your brain that there is more than enough. Most people do the opposite, they hold onto what they have and live in scarcity always wanting more and nothing they have or will get is never enough. Wealth is a mindset. The more you give and train yourself to live in an abundance mindset the more you will reap. You should also save 10% of your earnings because you want to have at least 6 months of living expenses saved up that you can fall back on. Use 5-10% of your money to celebrate and reward yourself for the hard work you put in to earn the money. This trains your brain to enjoy the process of working hard and it conditions you to understand the better work you do the more you get to have some fun.