Work with your GM if there are other ways you want to spend downtime. You might manage a business, meditate at a cosmonastery, launch a career as a celebrity, take command of a starship fleet, start a family, or minister at a popular infosphere church. Though there are efficient options for making money or adjusting your character, it's often better to seek out fun and interesting activities that can open up new opportunities for character building, adventures, or relationships.