What is the best financial advice for low income earners?

Yang Teng gave a very good overview.

Just to add on a few from the perspective of a financial planner:

1. Get yourself adequately covered with a Hospitalisation Plan
2. Make sure you purchase a Term insurance to cover your gaps. You can check out Aviva Group Term (SAF) if you are a local.
3. Make sure you try to save at least 20% of your income for your retirement
4. Always have an emergency fund of about 6 to 12 months of your expenses
5. Look out for viable opportunities to upskill yourself

I'm not sure if it's the best(s) but i've got a few:

• cut spending to the minimum
• always save
• try to look for ways to advance your career, and take the opportunity when given
• do not be tempted by quick gains (lotteries, scam investments, some insurance)
• always look for ways to upgrade yourself