I think you can start by setting budgets. Set aside a portion of your income as savings. I have been setting aside a minimum of 20% of my income for savings. Personally I find tracking all my transactions to be very useful. With that I am able to know how I can cut down my expenses. If you want to know, I use the app Planner Bee because it allows me to set up budgets.

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You can also consider part time jobs to gain extra income.

If you are thinking of investing, do consider setting up an emergency fund first before exploring investment as it is your safety net since investment is risky. You can read this article to find out more, and use this emergency fund calculator to help you plan.

Track expenses so that you know if you are saving enough or if you are spending too much.

Every dollar must serve a purpose.

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even if your time is stretched, you can always make money on the go. I do surveys on Milieu and ApiaryBuzz. The money I get from them goes straight to charitable causes. Okay, I'm not so altruistic because every dollar I donate yields me $2.50 worth of tax deduction.

I take part in the National Steps Challenge and monetise my steps by getting enough points for a NTUC voucher. The $10 I save from grocery shopping gets deposited into my child's college fund.

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Actually, I'm monetising my steps three steps because I collect Bitcoin and SWEAT via sMiles and Sweatcoin respectively. All crypto proceeds go towards paying down my mortgage.

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To reiterate, when you have clear financial goals and know which sources of income are needed to meet these goals, you won't waver in your resolve because your mind is crystal clear.

Dont buy a car. That will save you alot to kick start your investment journey early.