Not sure how old you, but young folk always struggle to get by early in life. All I can tell you is to save, save ,save. Cut out the cable TV, cell phones, Quick Mart coffee & donuts or whatever you can to put something in savings. My son used to say, " I'm the only one in the school without cable TV!" Now he see's us retired and living fairly well due to our investments, and understands why sacrificing some things early in life to save, pays benefits later on.