People are always focused on making money and neglect the power of conserving what cash they have by not spending unnecessarily. It's a balance sheet and you have to pay attention to both sides of the coin.
You have to have a balanced approach. If you invest everything you have in yourself by upgrading some skill or expertise you are betting that your direction is a wise one, that your skill will be in demand in the future and that your health and interest will hold up. Labour markets get flooded, you yourself change and technology waits for no-one. It's a gamble so I don't think you should go all-in like a riverboat gambler.
Refusing to spend unnecessarily, however, always will have a benefit. It can be a study in itself and there are books and stories about people who in a very short time kill off debt and get into a house that they have a stake in. You can make it like a game, a sport like hypermiling where the goal is the savings itself. It can be fun. You have to learn the difference between need and want. Maybe start by cutting down at Timmy's and go from there!
" I like you two. You're inferior creatures, with poor reasoning faculties, but I really feel an affection for you. You have served the master well and he will reward you for that. Now that your service is over, you will probably not exist much longer, but as long as you do, you shall be provided food clothing and shelter, so long as you stay out of the control room and engine room." Reason a short story by Asiaac Asimov
Although Asimov wrote this more than 50 years ago, it is a warning sign that as we build out these humanoid extensions of ourselves they will probably mirror our own immorality. The unrest at Google headquarters this past week, that a division of the company, is weaponizing AI. Was met with a counter denial by upper management that is not, is definitely a sign Google engineers are working with the DOD.
Every time we put something into Google search and click on a result we are by extension feeding and nurturing AI. Most people have no idea that we are clicking ourselves to digital and AI slavery.