It's pretty open ended, and there are many ways to answer it so please interpret the question as you see fit. I like to see different perspective din.

As for me, my goal is to increase my income or better yet work abroad. I'm 27M, have an emergency fund and consistently re-investing 60% income in paper assets.

I've been reading a lot about strategic management recently and feeling ko ang shallow na nung mga "financial literacy" content in social media. I have an engineering background. Yung next steps ko is to really learn fundamentals of accounting, finance, economics.

Career wise, meron na akong international certification for my role, also have an IELTS. Looking at MBA's pero I feel it's a scam. Open din to the idea take online certifications. (Harvard business courses cost around 150k, feels like scam as well).

Other things I can think of are really good clothes, buying a tablet for productivity. Pero these are more of personal branding na.

TLDR: What other smart ways can you spend money instead of learning materials?