(1) Earn more - through employment as well as passive income

(2) Spend less

(3) Pay off bad debt, if any

(4) Save more - at least secure an emergency fund worth at least 6 months of expenses

(5) Invest to generate a passive income - if you are financially illiterate as you claim to be, start reading books and online websites (posts by forummers will not begin to teach you a fraction of all there is to learn)

(6) Reinvest your investment returns to generate more passive income

(7) Repeat from step 1