One major aspect that tends to be underrecommended is using money to save money. Cash buy a car. Prepay your rent for a discount. Buy an annual supply of cleani

One major aspect that tends to be underrecommended is using money to save money. Cash buy a car. Prepay your rent for a discount. Buy an annual supply of cleaning products, drygoods... For businesses, this is well understood. An old school CFO/controller will be all about paying later, collecting earlier, negotiating discounts, consolidating purchasing, etc. Generally, anything like this will yield a much higher return than any kind of investment.