How to create Master files to organize documents by topic such as Correspondence , Health, Trips, Administration (tax,revenus, invoices) etc A file within another file...?

I believe the question speaks for itself. You create a file to put all relevant documents of the same topic/theme. Another File and another file. Ex for Correspondance (letters to my mom, my friend, my son etc)- Trips (all info pertaining to plane tickets, specifics of each destination, pictures,) Administration (Tax, revenues, invoices…) etc. To date I can only save documents, one after the other without being able to organize them…

Is not that a question about the file system organisation on your computer (BTW you did not mention the OS: Linux, MacOS, Windows, other)?

I would create specific directories in the Documents directory (whatever its name in your OS) such as Administration, Correspondance, Trips, … Within those, subdirectories allow to sort topics inside the category: e.g. Mom, Friends (or their first name), Son, … in Correspondance.

Then, when saving a document, you choose into which subdirectory you store it.

This applies to any computer application.