Oh I missed this thread till now!
I suggest looking at how Caleb Hammer approaches his own finances, Vivian Tu, Graham Stephan, etc. as well as what other similar youtube creators advise for content creators specifically.
Basically, what the finance youtubers are doing themselves instead of what they advise for the majority of viewers.
Personally my current goals:
6 month emergency fund
Tax set aside in advance
Savings acc for upcoming renovations
All of these are in offset accounts as my mortgage interest rate is now 7.21%.
I should add that I don't get any fees on these accounts, which seems to not be the case in some countries.
Nothing in investments at the moment as my interest is so high it wouldn't make much sense.
Once I offset as much as possible, then I'll start investing and smashing the heck out of my Super (retirement fund, tax beneficial but not accessible until retirement age).