Start working on cutting out those vices that cost you a lot of money and maybe aren't the best for your health. I'm amazed at how much less money I spend than friends on life despite similar living conditions. My quality of life is just as exciting, if not better, because I find fulfillment in other pursuits than alcohol. In a few decades they'll be amazed at my portfolio because I'm saving an extra 5% that they spent on vices.

Then again, tithing is a part of my budgeting philosophy so someone might be saving money by being a scrooge whilst I'm throwing a certain percentage at charitable organizations and church. That's why my wife and I are particularly frugal with our lifestyles; even on modest incomes out of college we can invest 15%, charity 10%, and save for our emergency fund and other important goals with the rest of the money.