So please it’s not too late to stop spending on things that doesn’t really matter, so basically the money you saved today could literally save you tomorrow.
But will you keep saving when there's a better way for you to secure tomorrow which is by investing?
saving is not about tomorrows wealth creating . its about a temporary filling of a pot upto a set target to rescue you from incidents. that way after reaching the target and then investing. when an incident occurs. you dont need to go to debt to rescue you, you dont need to sell assets/investments at a loss to rescue you because you have the savings there to save you.. hint is in the name
so when you reach your Xmonth bill savings total target. or X amount that covers a $X home appliance repair/replacement target.
then you can put the unspend income on investing by not needing to add more to the savings account, but put the unspent amount of income into investments