After writing down your simple budget, if you do not have any money to invest towards your future, you need to cut the items you are splurging on temporarily (e.g. too many streaming services).
No matter how little money you make, you have to be able to save towards the time that is coming when you are too old or too sick to continue working.
Because you will be saving for a long-time, start investing money into a brokerage account from every paycheck. Just keep putting the money. At first don’t worry about what to invest in. Just build the funds in the account.
Your mindset will change overtime, about not having enough to save, as you see how little it takes to begin saving. Don’t wait till you have enough money to invest. Begin from where you are, with a little.
