1. Start early. The more time your money and investments have to grow before you need them, the more money you’ll have all things being equal. Every little bit counts, even to only to get into the right habits.
2. Put yourself in the right place geographically.
3. Do some side hustles...

It is possible to make a budget work while still saving enough to retire. It starts with learning to change your habits so you can put money aside.

We have this idea that if we just make a certain amount of money, we're going to do great. But it doesn't work like that. We find ourselves always adapting our spending and lifestyle to our income.

When it comes to money, people will do whatever they can to get hold of your money, regardless of how it will affect you.

Our personal finances don't exist on their own. They are connected to the economy and government laws and regulations. It all is as much part of your finances as to how you spend and save your paycheck.

Put 10 % away from each check you receive to create a cash buffer for emergencies. Try and increase it with time.