How to afford things?

Ladies i need adulting advixe please!:) like any sdvice on how to afford a dog, car payment, renting an apartment, groceries, utilities, and need emergency money in case for car or apartment as well as seasonal (like Christmas) decorations?

Does a full time job not even salaried job help?

Do i need to own a few business AND invest too? Ya’ll know I also need to afford thay gucci too loool.

All your advice please!:)

💛🤝🤟🏽🤙🏽👊🏾

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