Paano ba ako/kami aahon? Parang kulang na ako sa time.

For context, I'm f24, ako lang may stable and maayos na trabaho sa amin ng family ko. I am earning 20k per month sa full time ko and 16-20k din sa part time na kaka start ko lang few months ago. Na realize ko 40k is really not enough to sustain the life I want for me and my family. Wala kami emergency fund (40k lang ipon ko minsan nababawasan pa), wala din kami life insurance and HMO. Aside from that tumatanda na parents ko, yung bahay namin luma pa, need na ipaayos kasi para naman habang tumatanda sila mama maayos na ang bahay. Ang hirap, hindi naman na ako nag hahangad yumaman like millionaire ganon, gusto ko lang maging financially stable. Any tips? I know na business and investing talaga ang mostly solusyon, pero I dont have the capital to start a business. Investing naman I am still learning pa and tbh dont have the balls to risk my money. Please give me your advice and your success stories. If bread winner ka din kagaya ko, please comment, para di ko ramdam na ako lang ganito. Thank you!