For all those who are earning, my advice is to start saving if you have not started yet. No time is late to start savings. Even if you mange to save 25 to 30 % of your earnings, it would be of great help for your future. For people who are spend thrifts, it would be bit difficult to save money but it is better to start how much ever possible & as you grow in your career you will earn more but you should keep in mind to increase your savings. Every body wants to get married & settles in life & if you save now it will help in future for your marriage & children. Savings should be inform of investment in LIC policies, pension plans, mututal funds etc where you have good returns. So why wait, start savings now & secure your future.