There are common steps we all need to take , Warren Buffet says his secret to success are being born in America, good genes and compounding of money. Its not what you earn its what you do with it consistently that matters.
Be an owner not a consumer , dont just own an Apple phone , own Apple stock. Become an insider, the system is set up for shareholders to win not the investment clients. Know your investment expenses. Your MER is not the only one , there can be 17 others hidden. The average is 3%. Takes 60 years to double your money. If you want to win a race do you want a 100 pound or a 300 pound jockey? that what huge fees do , slow you down. The big lie is you have to be rich to invest , the second we can beat the market , the third lie is fees don't matter. Learn to invest and stay invested for the long run .