I need help in my personal finances

I am 27 years old and working full-time. No wife no kids for now and no BTO. I am getting roughly $5k+ monthly. Insurance: $5700 annually Investment: $1000 Monthly (AIA ILP...). The Fund value is currently $35k, and another $800 monthly is invested in company shares. Family money: $300 Part-time degree: $15k total. (Paid roughly $10k at this moment)

Currently, I have enough money in my UOB ONE bank rotting (including 6 months of emergency funds) and I understand that if I continue to do that eventually I will be eaten by inflation

May I ask you experts what I should do with my money, please? I have around $25k—$30k that I am willing to invest if it matters. For the ILP, it is AIA Pro Achiever, and to me, it is a long-term plan for retirement, so I am guessing it's not that bad.