2024 is right around the corner.  It's the perfect time to start thinking about your investing goals for the year.
Step 1, pay off all debts.  Start with the debts that have the biggest interest rates.  Normally this is credit card debts.
Step 2.  Start an emergency fund.  I recommend having 6 - 12 months of cash in an emergency fund. 
Step 3.  Start investing every month into a good index fund.
Step 4.  Keep investing, even if stocks go down.  When stocks go down it's the perfect time to keep invest.  You will buy shares at a lower price.

Happy Holidays.  I hope you and your family have a wonderful day.