The one important rule in finance to become wealthy: “Invest, Rather Than Save”.
The financial systems punishes savers, (ever heard of double digit savings rate?) and rewards investors. This is done systematically devaluing the USD every year, so you’re losing even though you think you’re winning. If you save, your money becomes less valuable. If you invest, your assets become more valuable.
Education is the great equalizer. Have skin in the game and understand the rules well enough to break it.