I think your suggestions are good, especially for young people who are looking to stay afloat in their 20s. One thing that I would add is the time perspective -

I think your suggestions are good, especially for young people who are looking to stay afloat in their 20s. One thing that I would add is the time perspective - in the US right now, people in their 20s and early 30s are competing and slowly sorting themselves out into stable career fields. So my suggestion is definitely stay afloat, but don't assume that you will be able to stay afloat forever. Look at what other people are doing and how they are securing stable spots for themselves.