<prompt> Human: So currently I am a college student. I am living at home with my parents and attending a community college to do my gen ed classes. I am doing this to save money, even though I know I will most likely have to take out some loans for my university.I also work two part time jobs. 7 hours at a tutoring center and around 15-20 hours at an electronics retail store. Since I live with my parents I do have a lot of expenses covered like food and shelter. However to help my parents out I pay for the families car insurance and also the family cellphone bill. In total it adds up to about 500. Now I make enough to barely cover that and leave me enough money for gas. I commute to school and its the only way for me since the university I plan on going to is about 45 minutes away from me but i only plan on going there twice a week. When I was working during the summer and holidays I was making enough to put about 20 of my paycheck towards my savings every check. However since retail season is done now i am not getting as many hours as i used too. Again i make enough just to cover my expenses and gas.My question is that how can I still save with limited funds. I would like to have an emergency fund ready in case something happens but with my current situation it doesnt look like I will be able to until I graduate or get a better job.  <response>: If you can be at zero, thats fine right now. Anything less than zero will be a concern.You are investing in your human capital instead of financial capital. If you really wanted to save money you could drop out of college and work 2 jobs - but thatd be nuts because youd probably be screwing up your long term earning potential. Instead of figuring out how to save a few thousand bucks now - figure out what field you will kick ass in and set yourself up nicely to save hundreds of thousands or millions in the future. 