Let the phone do the sorting for you
This is where people get stuck, because manually dragging seventy icons into folders is tedious enough that nobody does it twice. The good news is that modern phones already maintain an automatic index of everything you have installed. On an iPhone, swiping past your last home page takes you to the App Library, which groups apps into categories on its own and puts your most recent downloads at the top. On Android, the app drawer does the same job alphabetically. Both mean the master list is already built and maintained without you.
Once you trust that index, home pages become optional rather than obligatory. You can remove an app from the home screen while keeping it installed, and on iPhone you can hide entire home screen pages instead of rearranging them one by one. You can also set new downloads to go straight to the library rather than landing on your first page, which is the single setting that keeps this system alive. And if you know the app's name, searching for it by pulling down on the home screen is faster than any folder you could build.
Name folders by verb, not by category
If you do want folders, resist the urge to sort by industry. "Finance", "Productivity" and "Utilities" are how an app store thinks, not how you think. Try verbs instead: Pay, Travel, Read, Move, Fix. You will find the right app faster because you're searching for what you're trying to do, which is how memory actually works.
