Amidst today’s fast-paced lifestyle and high living expenses, Millennials and Gen Z face significant challenges in saving and growing their money effectively. Without proper planning, money can slip away quickly. For those starting a job or establishing their finances after college, a few smart strategies can bring stability and secure the future.

A major hurdle to saving money is not knowing where it goes. Daily expenditures such as coffee, online food orders, cab rides, and subscriptions can accumulate significantly each month. Tracking all expenses for one month can reveal where cutbacks are necessary, forming the foundation for financial success.

Adopting the habit of saving 20 percent of monthly income can help build an emergency fund and enable investments. Prioritising savings ove

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