Financial planning looks like a challenging task for all especially if you are just an average earner. You might ask what and where to invest your hard-earned money. Personally, what I do is I follow the financial planning pyramid.
First, I protect the wealth that I have by getting an insurance such as life and health insurance. In case you also have debt, you might want to choose to reduce it. Establish your current and savings account too, as well as your emergency fund and time deposit if possible.