The first thing I recommend and 101 personal finances is auditing your expenses yearly. To accumulate more SATs, you need to do both increase income and reduce expenses:

• When was the last time you review your car insurance? More than 2 years ago? You are over paying and being punished for being a good customer.
• How much do you pay for your phone bill? More than $15 per month? You are being scammed.
• Do you really need more than 50MB to 100MB for your internet connection? I highly doubt it.
• How many times you eat out, not for social purposes, but just for being lazy? Start enjoying the art of cooking.
• Do you really need all those sodas and process non sense food? Water is delicious.
• You don't need a new car, expensive clothes, or a vacation during the bear market.
• and infinites etc.

Maybe you have a nice well paid job, but what else you can do to increase your monthly income? After that don't think and DCA.