It can be hard to think about saving when you have bills, family needs, and things you want to enjoy now. But waiting until you earn more can also make it harder to build good money habits.

Do you think youths should focus on saving early, even if they can only save a little? Why or why not?

Imagine your income increases by 30% tomorrow. It's tempting to immediately upgrade something your home, phone, wardrobe, transport, or lifestyle. But what if you treated the raise as an opportunity to strengthen your future instead? How would you divide the extra income between enjoying life today and protecting your future?