>>718321432
I basically had no safety net whatsoever until 30 because I was a dumbfuck NEET, but since I started work I've tried to give myself a relatively easy maintainable consistent way to build one. Since I live with family I just contribute a bit more than a third of my wage to paying for bills and shit, and then another third goes directly into an index fund. The last third I use for the month to pay for general necessities and luxuries like games and anything left at the next payday goes into a savings account for emergencies/bigger luxuries (eg if I want to travel). Also pay into a work pension that my work contributes to.
So far built up £15,000 including the pension, which I know isn't exactly a lot but it's sure as fuck better than what I had when I was NEET in my late 20s which was nothing
My life plan is to just keep this situation going as long as possible and hope that I build up enough before I have to live solo basically. At some point my mother will retire and that'll change the dynamic, though, and that's not too far away. Less than 5 years.