- will depends of your particular situation and based on your risk tolerance (inner priorities) but I would strongly suggest learning (and to be more precise your learning rate, learn how to learn and unlearn faster over time)
- I'd suggest to maximize healthy habits based on having a deeper understanding of your own body, make it so good and so custom that most likely with only work for you, the compound effect in months years or even decades is notable
- avoid lifestyle inflation (could overlap your second question) polish your personal finance knowledge and try to adapt it to your generation ("modern" vs "classic"), as example don't think that own > rent as default, question the status quo, question the principles on which that kind of statement relies and do the same for similar situations
- I'd suggest to maximize healthy habits based on having a deeper understanding of your own body, make it so good and so custom that most likely with only work for you, the compound effect in months years or even decades is notable
- avoid lifestyle inflation (could overlap your second question) polish your personal finance knowledge and try to adapt it to your generation ("modern" vs "classic"), as example don't think that own > rent as default, question the status quo, question the principles on which that kind of statement relies and do the same for similar situations