Accumulate cash from labour, land or enterprise.
Profits are better than paychecks.

Whenever you accumulate a stack of cash...

Review GOLD / USD chart. If Gold is up then cash is becoming worthless. Buy XMR or Gold.

To decide which:

Chart XMRUSDT / XAUTUSDT in Trading view to see how many oz of Gold 1 XMR buys. If XMR is up and gold is down put that cash into gold. When Gold is up and XMR is down (relative to gold) sell cash for Monero. Basically buy the worst performing asset.

If USD goes way up against gold you could sell off 20% of gold and monero holding or just do nothing. Both will do better than USD over time.

Gold is a store of value. Monero as a higher risk hard currency. Both are better than government issued money with infinite supply. Trust in Monero.