I recommend something like this, take your monthly net income and try to stick to something like this: - allocate if possible max 25% into rent and for other r

I recommend something like this, take your monthly net income and try to stick to something like this: - allocate if possible max 25% into rent and for other recurring expenses (I know that this can be a challenge) - (low risk): save 20% (into a basic savings account) - (medium risk): invest 10% in ETFs; plain vanilla S&P500 is a good start - (high risk): invest up to 5% in crowdfunding sites like Seedrs.com or in similar high risks assets such as Crypto - spend and enjoy life with the rest (40%) The challenge is of course the fixed expenses, when you are just starting out those will represent a big part of your expenditure. As such, adjust the other parts accordingly and gradually work towards the allocation I described above as your income increases over time. Another life hacker tip: use a service like Revolut and let it round your change and put into a Vault. Use these savings to save or invest. While the daily amounts are small, it accumulates over time and it feels good to know that every time you spend something you save a bit. When you hit 30s, you will have a solid saving and investment portfolio, thanking your 20 year old you.