Your 20s
Develop a budget
Though you may not have much money during these years, what you do have is time.
You may not have major demands on your money yet either, like a mortgage. This gives you flexibility to save - even if it’s just a small amount, which can add up over time.
Consider budgeting and cutting out small purchases - like that daily caramel macchiato - and set up auto-payments to put that money toward your savings instead. Your future self will thank you.