Short and sweet: Work only as much as you want. Free yourself from salary jobs where you work for free after 40 hours. If you want more money and your body can handle it, work two jobs. Stay out of debt. 8-8-8. Work 8, Play 8, Sleep/Rest 8. Don't buy the lie that a salaried job is secure. Take up programming per hour. Stealth your finances.

And don't waste your time. You will never get it back.