rethink your retirement timeline – you can retire 10 to 15 years early if you plan your expenditures , investments etc..

start a side hustle and invest that money

before spending for something big , think about how much it will cost you and how many extra years it will take to earn that amount

invest the money that you are not spending into named accounts like vacation fund , future entertainment or new house

diversify your portfolio between equity and other assets like precious metals ( gold , silver ) and precious art