If you don’t know the proper way to think about how to handle your personal wealth, then here it is.
Start by saving as much money as you can, and spending as little money as you can.
This creates a monetary surplus.
Then you take that surplus, and your invest it into something that is going to make it grow.
You take that new growth surplus, and reinvest it either into the same vehicle, or into another instrument, and let it grow and grow and grow.
Over time, this process of crossing over your earnings from investment to investment, and doing it intelligently and conservatively, is the exact same way that almost every single rich person (that didn’t inherit the money) became very very rich.
One way to immediately save is to refinance, and take the periodical savings and invest that.