Both centralized, few are aware of decentralized, my feeling both will be around for some time to come, familiarizing with both is a healthy outlook.
Paying off debt in the fastest manner possible gives one a feeling of well being, not having to stress over large debt like a mortgage, easier said than done!
Employment; each individual has to keep a finger on the pulse with change, possibly learn new to continue enjoying the lifestyle they have become accustomed to.
@tipu curate
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I think this is getting more challenging, as the job evolution cycle is shorter now. It is hard to keep up with skills that require time to get and impossible if they are in some areas we are incapable of.
New challenges with technology change may alter working conditions to a certain degree. Basic knowledge will still be required irrespective, perception of cycles shortening is an illusion, or a manner in enriching the rich placing more workload into shorter work days. Always attempt to plan a secondary back up.