Manage your finances. Know where every penny goes. Budget as best as you can - plan for all of the things you know you spend money on through a year. It doesn’t mean you can’t spend money on things you like, but it does mean that you know when you can afford it. It gives you confidence and control no matter how much you are making.
Yeah, I really like Polygondwanaland and Flying Microtonal Banana. The rest, save for one other album (don’t recall which one) I just can’t get into. They have cranked out so many albums exploring, but not mastering, so many genres that it’s not surprising to be underwater on the K/D ratio.