<prompt> Human: Hello, rpersonalfinance community!As the title states, I am a 21 year old university student due to graduate May 2018. Im majoring in Business Management, Business Analytics, and Management Information Systems. Im interested in starting to save for retirement and investing, but I am new to all of this. In regards to my financial situation, this is a little about me:- I am still living with my parents, as I commute to school.- I work a part-time job, which has allowed me to pay for my personal expenses, which include tuition and school materials. Emphasis on tuition because it takes nearly all of my income; there have been times when I ask my parents for assistance when I dont have enough for my tuition. The good thing is that I do not have loans so I will be graduating debt free.- Im left with very little money at the end of the month, which is why I really havent been able to put anything towards savings since every little bit I have left goes towards next months expenses, and that has been the cycle for the past three years.- If you would like more information, let me know.Taking into consideration those factors, is it practicable to start chipping into investing now, or should I wait until after I graduate and I find a good job? What is typically the initial costs of opening up an investment account? And by chipping away at investing, I mean I could probably put anywhere between 20-100 a month towards a portfolio. Is this smart, or even viable? What are your thoughts? Any advice is appreciated. Thank you.P.S. I have read the information on the sidebar, but if you know of any other useful resources for information on the topics above direct me to those sources.  <response>: No. You shouldnt start investing until you know what your income and expense are and you have some stability.Wait until youre working full time and have a grasp on your financial situation. 