I don't have a physical piggy bank those days, but I do "invest" or lets say buy things that people at my age values. During those days, I started buying FIFA cards (From Pcakets) , Dragon Ball cards (From 20 cents card-machine). Slightly older, I am into Tamiya cars , WWF gaming cards. In contrats, today I still don't have a physical piggy bank, haha! I started buying Physical Silver coins and Gold coins for investment and leisure. Moved on to Unit Trust, Indexes, Forex, Options and finally Stocks. I don't really believe in saving monies in the past but during volunteer work at a regular old folks home and cancer foundation, many people shared with me their life regrets. Most common regrets are financial management and spending time with their loves one. I am fortunate to have value investing mindset and act on it. However that is not enough, to share knowledge to family, relative and friends is equally important. To encourage proper financial management for them to save into their own version of piggy bank is important, that would likely eliminate more than half of potential issues arising with monies disputes. There is no "right" time to start a piggy bank saving, the best time is now.