At our office, we firmly believe the earlier you start saving, the better. We encourage our clients to get their children to come to see us soon as they get their first job, we even offer a free financial plan for them. Habits formed early, good or bad, usually last a lifetime. For this reason, as soon as young people start their first job, it is great if they can start to plan their finances.
When most young people start working they have very few, if any, expenses; they also have very few goals that seem achievable. As a consequence, the majority of their money is spent on things that are meaningless and add very little value to their lives. Many of us continue to do this for most of our lives.