Early game it’s just about familiarizing yourself with the systems. Work on your nook mile goals, hit all the rocks, plant the money tree, get your recipes, check in with the daily visitor, etc. while you’re going about your island catch bugs and fish along the way. Early goals I would say get your house expanded a bit and fill out your museum with any new critters you find. But there is no rush, your loan has no interest and can be paid back whenever you feel like it. It can take a while but you will eventually build up a routine and build up your crafting recipes, and then you can start planning and developing your island