No matter how bad the things will be in the world If you keep this in your mind you always will be better even in the not best times.
So before you even talking about money you need to focus on those 3 things If those 3 things you have then you don't need to worry about money.
There are many financial advices that we may often see now but not all of them are suitable for use so there needs to be a study that is in accordance with the skills of each individual. The three things you mentioned can indeed help but in certain conditions you also need to make policies that are much riskier to make money and for involvement in crypto especially which is full of risk, there needs to be mitigation as a step to minimize the risk of loss.
Everyone will be taught according to experience but that experience will be formed when someone has good knowledge of something that is being pursued. If crypto is a basis for making money then someone needs to find out a more effective way to make a profit.