You first need to understand where your money is going. Tracking your expenses for a couple of months, so you know where your money is going is a critical first step.
You can put this money in a high-interest checking or savings account or invest it in a money market account through a brokerage account.
It simply means setting up systems to automatically invest, save, pay down debt, or pay your monthly bills.
Have a plan to build a small emergency fund, and have taken steps to automate your finances, it’s time to get laser-focused on paying down debt.