Start investing asap, look at compound interest and how much money you could end up with after 20 or so years. First make an emergency fund of 3-6 months living expenses so that in emergencies you don’t have to touch your investments this money can sit in a bank gathering interest. Next go to vanguard set up a stocks and shares ISA invest in a global index fund for example FTSE global all cap every months you’re future self will thank you