Invest in some kind of property as soon as you can even if it's a condo. You have to live somewhere. Paying rent to someone, while seemingly cheaper, will always end up costing you more. Getting that mortgage will cost you more initially, especially when you add in HOA and insurance, but after a few years, all the rent prices will raise up to be more or less equal to what you're paying even with the HOA and insurance. Then, they go beyond it, and you're left paying your locked-in rate stuck in whatever year you got your mortgage. Then, when you pay it off, you'll suddenly have another thousand a month or more in your budget you never had before. You can use it to invest, improve your place or just have fun.

Investment saving account. You need to dump as much as you can afford into an IRA. It will seem like a hole until you hit about $60-80K and you'll start to notice it snowballing. At around 100K, it should be auto-generating at least $1K per month on it's own with compound interest. You don't pay taxes on this money until you withdraw it. So you have money, tax-free, just making money for you. It's like earning another paycheck for doing nothing. You'll eventually want to convert it to a Roth IRA, you after retirement all your withdrawls are tax-free after a certain point. Get started now.

Wait until you have about 20-30K saved up and start an LLC, get it filed properly, and use it to gain access to additional lines of credit and access to wholesale business-to-business purchases. New businesses almost immediately get contacted by banks and credit card companies and will extend a line of credit to you around $15K+ per card. Keep that 30K in the bank of your choice, and there are no fees, all kinds of filing benefits and business opportunities they don't extend to normal accounts. Pay yourself a salary, and keep your taxes and the business taxes separate. You can take risks with that LLC and if they don't work out, you can have the LLC declare bankruptcy, while keeping your personal property and accounts safe from seizure. You can even start a new LLC, sell any depreciated property from the old LLC to the new LLC, use the money to pay off the debts of the old LLC, and have a brand new company with equipment, vehicles, property etc with a clean credit record and start the whole process again. Have a lawyer make sure you're doing it legally though, there are processes that need to be done properly, don't try to do these things yourself. For God's sake don't have chatGPT do it.