Finance for the People: Getting a Grip on Your Finances. “Instead of trying to save and invest what’s left over after you spend, think about saving and as something you do first,” she says. “Then you can spend what’s left over.
Try to think of investing and saving as regular paycheck deductions, like the taxes you pay. This is one way to make savings and investing non-negotiable.
In your 20s, you might not be able to invest 30% of your paycheck. That’s OK; just start where you are, even if it’s only 1%.
The important thing is to make it a habit and realize that you’ll increase your contributions over time, as your pay increases.
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