Investment should start with our income. We have to save first from our income. We know, Income - Expense = Saving.
Here we have a problem. After considering all the expenses, saving would be the second priority.
If we change the formula to Income - Saving = Expenses, saving becomes the first task to do after we earn salary, wages, bonus and other incomes.
So separating immediately some portion of our income as saving would compel us adjust our expenses to a certain limit.
Set a target for saving say 5% or 10% to begin with and slowly increase the saving percentage every year or as required.
