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This one looks designed for Americans actually. However, I think Everyone needs to adjust it to their own circumstances. Working is the best way to make money for most people and saving from paychecks is smart. I had some student loans to pay off after university and I looked at that as priority, but as soon as those were out of the way, I really started saving too. The mountain isn't as tall when you are halfway up. Also, it's never too late for people to start since it won't get any easier.

I agree. Always the student loans! Yes. But, my father instilled in me that even though I had to prioritize those to get them off my plate, he also told me that I still had to pay myself (put away some money) also, even if it was only $1 a paycheck, to instill in my own self that I had to save, no matter how little.

I believe I owe him everything. It's never too little to start and never to late to make it happen. Thanks for this post!