wow! This is really interesting. I try not to follow financial rules
the basic step is to save the money, using all the vehicles that you can to keep the money save. It is very simple strategy!
This is not the time to invest in anything, unless you have a lot of cash, then take the opportunity to buy houses. I do not see the poor people buying houses, I see a lot of investors with money buying more. Stocks are risky right now.