At the very start, when you are doing jobs, choose the ones that offer you the highest payoff with the least amount of energy used - good pay/energy ratio. Alternatively, you can choose jobs that have a high experience gained/energy used ratio. The more benefit to you with the least energy lost is the right direction you should take.
As soon as you are paid, it is a wise decision to bank your money. Yes there is a 10% money-laundering fee that the bank will charge you, but this is much better than losing everything in a fight.
When the time is right, remember to buy properties with a good return on investment ratio.