(Don't) Forget the Debt
Get out of debt or at make it your goal to always be reducing your debt - at least on the long-term curve.
The U. S. Money Supply has ballooned since the first quarter of 2020, with the onset of "the pandemic". (See chart). Raise your hand if you think the money helped.
An "expert" with a vlog on the internet that I respect just said this...
"As long as the illusion of stability in the debt market continues, the markets will go up."
That might sound like a lot of fog to you, but it affects every single person on this earth, and those who understand it get wealthier and wealthier at the expense of those who don't.
And just as important - this is a different factor - you're affected whether you are liable for debt (personal or business debt) or not, because you are affected by the governments (local, state, and federal) that can sign you up for public debts so that you and your family after you effectively owe "the piper".
Then (here's another point) as the debt increases, the way it increases is by increasing the money supply, which, if you've studied economics taught by a good teacher, you know causes the value of your money slowly evaporate.
So forget the debt...in other words, reduce how much you need to think about it by paying your own debt down or off. And don't forget the debt...remember you're "doomed" :) because you're limited in how much you can control the effect of public debt on you and your family.
So again..."See what you're looking at."