Besides what other guys mentioned, I think what you really lack is a good focus on a long-term objective. I decided to experiment what I consider a decent salary to live off monthly, then I've set my goal to retire... before retirement. To do this I considered how much I would generate from the dividend in stocks and other assets... there's a lot of reading and planning.
This is one suggestion what you could do, plus you'll put your money to work for you, not just you for it.
This is one suggestion what you could do, plus you'll put your money to work for you, not just you for it.