"I don't make enough money to save."
This is the budgeting equivalent of the “my dog ate my homework” excuse. If you invest even $10 a week—a.k.a. one glass of wine—from the age of 18, you’ll have $100,000 (assuming a 5-percent rate of return) by the time you’re 65. It’s never too late to start: Pick up this habit at the age of 35, and you’ll have $35,000. Or try this hack from Toronto-based personal finance expert Preet Banerjee: Take 10 percent of your paycheque and set up an automated transfer into a savings or investment account. “The worst thing that can happen? After a couple of months, you realize you can’t make it work and you now have a few hundred dollars saved. The best-case scenario is you find you don’t miss it.”