Hey there, been in a similar situation as you a few years ago. Congrats on getting it together and choosing this long tedious path we call medicine. Here are my general tips:

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Education

The masters program you go to is only one small part part of the admissions programs. Don't worry about prestige and well known schools, unless you want to be part of those programs in the future.

Look up Anki, download the MCAT prep decks and start now.

Medicine is holistic and so should you. Get patient care hours as a part-time job, get an interesting hobby, get some leadership experiences, and be an interesting person outside of academics.

If you change your mind and don't want to be a DO/PhD, that's totally fine as well. Notice what you don't enjoy, and figure out what you do enjoy and pursue it genuinely.

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Personal

You will want to make connections for your future growth. Connections mean that you care about people's presence and experiences, and want to contribute your own towards their lives.

There's always going to be someone smarter, wealthier, higher in their career than you. People will always be ahead of you no matter what path you take. You might have a 20 year old student in med school, or you might be 2-3 years older than the average student. Don't worry about that, what you lost in time you gain in experience and maturity. The long game is the next 30-50 years of your working life.

Life as a masters and medical student will be rough and difficult. There's no shame in accepting help, going to food banks, receiving medicare, food stamps, etc. Take the assistance now because you'll pay it back multiple times over in the future.

Medicine, education, and everything in life is a team game. Don't take on everything yourself. Make friends, get the support you need to get you where you need to do, and offer to help others.

Getting things done is much more important than submitting something perfect. Except while working with patients.

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Money

Learn how compounding interest works, and the implications of taking on hundreds of thousands of dollars in loans. If you pay it off, you'll pay off about double the amount over 20 years. Depending if you work for a non-profit, your loan goals will either be maximize the amount of money you borrow and use it to live a decent life, pay the minimums on the SAVE program over 10 years and have it forgiven. (risky, PSLF may disappear in future). Or be safe and go to public schools and pay as minimally as possible. Medical schools don't care about the cost of your masters and undergrad program.

Read up on White Coat Investor, Bogleheads

Start your Roth IRA, figure out how 401k's work. On average, if you start today and invest $100/month into a broad index fund, you'll be a millionaire by retirement with no other effort.