<prompt> Human: Im really interested in building up my financial profile but I already have a budget, a more than adequate emergency fund and am living within my means. Im currently a student, which probably means that the amount of money I have isnt enough to really start investing.  <response>: The principles of financial responsibility are not difficult - there arent any big secrets. Its the practice thats hard. Choosing to turn down shiny plastic crap in favor of index funds and money in the bank. Driving an older car and living in a smaller house, not because you cant afford better but because you understand that living below your means is the best way to ensure that you will be able to live the way you want to in the future.Talking the talk is easy, and nothing in personal finance is a shocking revelation. Actually doing it is much harder, evidenced by the millions of people out there who are living paycheck to paycheck.If youre serious about building your financial profile, see where you can trim your budget to start investing. 100 a month isnt impossible even on a student budget, and its a start to a good habit. 