Get rid of addictions/habits: addictions or habits (in mild cases) are harmful not only for your health, but also for your finances. Cigarettes and alcohol are responsible for consuming a large portion of the income from individuals living on minimum wage. It's not that unsual to find people spending at least 1$ on cigarettes daily, what after 1 month will result in 30$ expenses, which could be going into bitcoin investment, for an example.
For those who are chronically addicted to smoking, Alcohol and maybe gambling, I can you that giving up this is one of the hardest things to do, I've meet several smokers who if you ask them to stop smoking because smoking is destroying their finance little by little, they are ask you that, you that is not a smoker, what have you achieved?.
The advices in the OP are all good, but unfortunately, not for everybody, succeeding in life take hard/smart work and great discipline, even a smoker and an alcoholic can still succeed if they really know what they want out of life, and work hard and smart towards achieving it, and also applying discipline and consistency in the work towards achieving their dreams.