4. Stay away from excessive lifestyle (excessive luxury) and try to live with a minimalist lifestyle.
The impact of social media is what makes this difficult. It's hard to resist the temptation when the people around you are living paycheck to paycheck. They just justify that they deserved it even if they do it multiple times that they don't save anything from their salaries.
For me, choosing your circle of friends can help a lot to save and have an investment for the future. If your friends have long term goal about their current finances then you will likely become successful in the future.