I am 33 years old and I only just started long-term saving last year. I am a bit filled with regret that I didn't start sooner...but then I never really made enough extra money to save. I've always been very frugal, but it was to keep myself from having to work more than I wanted to, not to save for the future. Now I have enough in savings to last me two months without money coming in. And it's taken me a year to get there! Saving is hard. Every young person reading this, take my advice and start now!