This is my third wipe but I still made mistakes since the last one was so long ago. Since reaching L20 I've I wasted some serious rouble opportunities if I'd had better planning.
Use gear if you have it. Don't store weapons you aren't saving for a quest, use it. Same goes for tac rigs, armor and backpacks. You'll end up with too many due to limited stash space. Everything besides filled tac rigs/packs has the worst value to space ratio in the game.
Don't sell dry fuel to traders. Also don't sell any FIR items to traders that you have space to keep.
FIR keys are the best way to get very rich at L20 and take almost no space. Loot every single coat you see
Put corrugated hoses in your ass whenever you find them and save as many FIR as you can for the flea, using non FIR for your hideout.
If you are low on cash, loot safes for space efficient vendor items that you don't need to find in raid.
Filing cabinets are real daddies this wipe.
If you main Reserve you should start saving for a RR from start of wipe. Loot a ton of toolboxes and tech supply crates on your runs.
Try not to pay cash for a junkbox. Buy magazines a la carte and don't insure them. This way you can craft two magazine boxes and use them for a Scav junkbox instead of using them for storage
All these together would've saved me a few mil roubles at least, which is a big boost.