Quoted from rai:
You don't have to be anything special to save / invest money, try to set aside something every paycheck as if you never earned it.
I like to say 10% but whatever you can afford.
Say your paycheck is $5k (try) to take out $500 or even $250 straight away and invest in (stock/ETF maybe bonds).
I bought a number of shares of MO for $18/share they're now worth $64/share plus pay me $2.2/year in dividend. That's freaking amazing, probably much better than if I had bought BBB for $5k when they were first sold.
By now MO could totally disappear (unlikely) and I'd still be way ahead.
That example probably is an outlier, most stocks won't do that well but usually darn well better than buying consumer goods or pinball machines.
More companies increase in value than you realize. The main component to growth that many don't do, is the reinvestment of dividends. Many companies increase their dividends annually.