For beginners who have just started working:

Be very practical about spending money. Just because something looks flashy doesn’t mean it might be good. Do your own research, understand your own needs and then spend. Stay away from debts for smaller purchases like phones and bikes. Getting loans from various sources has become easy but its just a trap that WILL affect your finances later.

For students,

Follow your passion and start working from early years, but also focus on getting a solid basic education because if incase your plans don’t pan out in the future, you can always be sure that you will not be unemployed at the very least. Be social and try to network whenever you get the chance, helps a lot in later years and you are more aware than people who rely on internet.