---
title: 'Build a Saving Habit'
source: 'https://youtube.com/watch?v=REUjs9lj1eg'
video_id: 'REUjs9lj1eg'
date: 2026-08-23
duration_sec: 74
channel: 'Personal Finance Circle '
---

# Build a Saving Habit

> Source: [Build a Saving Habit](https://youtube.com/watch?v=REUjs9lj1eg)

## Summary

The video emphasizes the importance of building a consistent saving habit, regardless of income level. It argues that the ability to save small amounts now is a prerequisite for saving larger amounts later, and encourages viewers to start saving a percentage of their income immediately.

### Key Points

- **The Saving Paradox** [00:02] — Everyone knows they should save money, but only a few do it consistently, often due to lack of discipline or the excuse of low income.
- **Start Small, Save Big** [00:29] — No matter how small your current income, if you can't save a small amount from it, you won't be able to save when you earn more. Saving is a habit that scales with income.
- **The Myth of Future Saving** [00:53] — The belief that you'll start saving when you make more money is false. If you don't build the habit now, you'll likely continue spending all your income regardless of its size.
- **Actionable Advice** [01:05] — Start saving a small percentage of your income (5% or 10%) consistently, as even small amounts can make a huge difference over time.

### Conclusion

The core takeaway is that saving is a habit that must be cultivated now, regardless of income level. Starting with a small, consistent percentage of your income is the key to long-term financial growth.

## Transcript

a saving habit. Now you see saving money is one of the things everyone knows that they should be doing but only a few people actually save money consistently. And to be honest I don't know why. Maybe you ask me the reason I'll say maybe
it's because um saving money actually takes discipline and planning. That's not saving money consistently because they lack discipline. That's the major the excuse that they are making very low amount of money so they can't be able to
save money. Now you see one thing I always tell people is that no matter how much you are making right now no matter how small it is if you can't save small amount of money from that your small salary you won't be able to save when
you start making bigger amount of money. It is just the truth. No matter how much you start making maybe in next 5 years if you don't start saving right now you making bigger amount of money. And you might still be saying, "Oh, maybe that's
a lie. Maybe when you start making more money, you start saving." It doesn't work that way. It is a simple fact. So, please, as you watching this video right now, start saving small amount of money. No matter how much it is, even if it's
just 5% of your income, 10% of your income, just save money consistently because it can make a huge difference over