It's all up to the individual. Whatever makes your motor run. But I'd universally suggest traveling to other countries to experience different cultures first hand. Other than that... Just interact with and experience as many new things as you've got the bandwidth for.
I definitely feel that pain. I was lucky enough to buy a house, but that's all I've got going for me. Otherwise I'm just paycheck to paycheck, living every single day on the verge of losing everything.
I say upvote stuff more. Like a lot more. We like to watch the number go up, and the more we see it the more we engage, which should attract more users.
It's all up to the individual. Whatever makes your motor run. But I'd universally suggest traveling to other countries to experience different cultures first hand. Other than that... Just interact with and experience as many new things as you've got the bandwidth for.