So much complicated advice in this thread, wow. Keep it simple: do things that let you accumulate cash, so if you lose your job you won't also immediately get kicked out of your house and you'll have reserves to draw on. Consider that you might need to re-train etc. Just build your savings. Don't do risky things that add to the complexity and your stress levels. Avoid crypto in particular. I also have a family and I'…
what if i live in Poland and 11% inflation eats more of my cash than i can accumulate each year? Interest rates are at sky high 3% after 2nd raise this year. Goverment knows that and just wants to ruin people economically.