<prompt> Human: Im new to this subreddit and Ive been reading a lot about graduating kids with 30,000 savings in the TopAll-time page.Made me wonder where all of my money goes, I dont have ANY savings!!I have convinced myself that its never too late to start. I also learned from this subreddit that most of the people in the world are spending a lot more than they should in food by eating out instead of prepping meals. Realized that this may be one of the biggest culprits since the fare tofrom my school costs only a total of 1US converted, and the food from our cafeteria only costs around 1-2 I also cant get a job because I live in the Philippines and the legal working age here is 18. I only get my money from my US200 converted, low cost of living lol allowance and some extra from my super small fine jewelry business in instagram extra 20-30 a month, irregular. Sorry for the long post, i really need advice, TIA to any of u out there!!!  <response>: Ive been reading a lot about graduating kids with 30,000 savings in the TopAll-time page.This seems to be because the redditers in this sub like financial success stories. Its normal not to have any money, or to be in debt, at any stage in life, but especially before youre 30. I have convinced myself that its never too late to start. LOL. Youre barely starting out. Graduate from school, get a job andor continue your education, and once youve started working you can start saving money. The secret to saving money is earning money and spending less than you earn. 