Sure yeah 0) below assumes you have a full time job. if not, none of this applies and first step should be try to get full time job or a source of income 1) reduce your expenses . maximum amount of roommates (random roommates are completely fine), live at home with family, or split rent with your significant other- these all help reduce most expensive monthly expense for most which is rent 2) just budget in general. it would be nice to save / invest if possible monthly with anything left