My suggestion: Don't overthink or plan too much. The most important thing is to ensure that you don't live paycheck to paycheck i.e. spend everything you earn.

My suggestion: Don't overthink or plan too much. The most important thing is to ensure that you don't live paycheck to paycheck i.e. spend everything you earn. Keep this formula simple: Cashflow IN > Cashflow OUT and you will start seeing results early on. I am a big fan of Dave Ramsey's baby steps if that works for you.