At level up.....
For fighter types put points into strength, dex and speed for more attacks and powerful attacks. Put points into a weapon first as this makes the biggest single difference over things like close combat, dual wield etc.
For spellcasters put them into int, piety and speed. Always put points into the main field (Wizardry, Psionics etc) and then into the specifics like fire, etc. Specilaiztion helps a ton.
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