Start with "financial advice on an index card" [1]. Then improve each of those 9 advice suitable to your particular financial needs.

For those who are in deep debt, with low income, follow the "Baby Steps" [2] by Ramsey.

[1]: https://www.npr.org/sections/alltechconsidered/2016/01/08/46...

[2]: https://www.ramseysolutions.com/dave-ramsey-7-baby-steps