I totally understand how you feel. It can be overwhelming trying to manage your finances as a student. But, I completely disagree with the saying "saving is wasting" if you manage to save your money smart. In that case, it's the complete opposite. Having an emergency fund and paying off debt should be your first priority, so you have peace of mind in case of unexpected expenses. Then you should pay any debt you own starting from the lowest one. After that, you can start investing in low risk ETFs like the S&P 500. Diversifying your portfolio is also important so you can balance the risk and reward. Don't worry about the limited side hustles, there are always online opportunities to earn extra money and make your investments grow. Remember, the key is to make your money work for you.