The first wealth is health.

Everything you intend to do rests on a body and a mind that can do it. Money, standing and ambition all assume some baseline of sleep, breath and strength, which is easy to overlook while you have it and slow to rebuild once it goes. Not all of that is yours to control, and some of it never was. The part that is tends to get spent first, because it complains the least.

Look at what you have been borrowing against this month. Take the cheapest repayment available, an earlier night or the walk you keep postponing, before you plan anything more ambitious.