2 things you need to do before 50.

1) Master your working skill. A skill that the company have to depend on you. Even the boss have to listen to you. Be creative. By 40, you should able to perform and teach the young.

2) invest and invest. Be equity, bond or ETF. Learn how to invest and use profit to invest. By few yrs, you don’t need to pump money anymore. The more early you invest, the more secure you’re before 50. Even can retire early. Investment can generate income for you when retire as a work to occupy time.

Either loss 1, another can cover you.