Diversify. Hodl your crypto. Don't put all you money into you house. Buy some gold, physical gold and gold fund. Buy some bonds but hodl the bonds as well. Stash some cash for emergencies so you don't have to carry a balance on your credit cards. I would not buy stocks right now but some people will and it won't cause them to go broke unless they use margin. Margin is debt, leverage, that can cause you to go broke.

Yes, invest in skills but don't fall for the marketing, make sure you will get real marketable skills. Better yet invest more time and less money in skills. Today you can teach yourself almost anything without spending a penny.

? be the asset? Sure but have some assets too so you don't have to be a slave forever. I can do my job much better now that I don't have to worry that being honest will get me fired. I don't need my job, I love my job but if it turns bad, I can walk away.