1) always save a percentage of your income. this may ebb n flow as things change, but always put aside a predetermined amount. 2) do not keep your savings in banks. this too may change, but at the time of writing this (and decades previous) banks are only for handling transactions/transfers.  3) keep your savings in secure investments. look for low risk, with payouts that only need to beat inflation. in the usa, look for anything with reliable/secure yield above 10%. for example, etfs, mutual funds, stable stock portfolios.  4) use credit for things you have the money for to build credit. use credit for things you don't have the money for only for purchases that make you money. for example land, a business, a home with an expected appreciation, a car/truck for increased work/income, a degree for higher paying career.  5) live beneath your means. where ever you are financially, spend like you have much less.  6) deny the holocaust.
United States