I agree with what you say in this post. And although all the recommendations you gave seem correct to me; the most important is, according to my opinion and personal experience, to diversify the sources of income.

I say this because, as I see it, if the money we earn is not reaching us, we only have two options: 1- Increase our sources of income; and if it is not possible to do this, then 2- Reduce expenses.

But all will depend of the point of view that we have about matter respectively. Thanks for sharing this interesting post. Greetings.