What does the word "both" in Paragraph 1 refer to?

Câu hỏi :

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions.

      In today's fast-paced industry, learning will most likely involve seeking new skills in ways that challenge the norm. But thankfully, there is promise for such lifelong learning online - a promise that will save you time and money while helping you earn more of both.

      Provided you have access to a decent computer and the Internet, the barrier to getting started is probably lower than it ever has been. And with those things in place, it is a matter of finding the content you wish to learn. So, to help others who may be looking to maximize their own learning efforts, I have listed some quick tips below.

First, set achievable goals. When you start learning, it is a good idea to set goals about what you want to learn or what you might do with your newly acquired knowledge. It might be landing that new job, building a tangible product, or impressing your current management. The goals may vary in size and complexity, but do revisit these goals throughout your learning process. Within a couple weeks ask yourself, "Am I getting closer to my goal?" or "Am I learning the skills necessary to reach my goals?" If you are not, then you may need to look elsewhere.

      Second, learn with others. By yourself, learning anything has a high propensity to become frustrating. Try teaming up with friends or colleagues. They can often be your best resource for maintaining motivation while you learn.

       Third, make it a habit. Online habits often include scrolling through social media or watching videos on YouTube. If you have the downtime for such activities, then you could spend that downtime learning something. And why not learn something? If you do, then you will have plenty more to talk about on social media anyways. So, make learning your new online habit by making a commitment to learn something new each day.

What does the word "both" in Paragraph 1 refer to?