You don't have to start big. Even with small but regular contributions you can build up financial security. So if you don't earn much, try to save 10% of your salary (but at least 50 Euros per month if possible) by automatically transferring this money directly into your savings scheme on the day you receive your salary. You will see that you won’t even notice the missing sum, because you practically never see it. But after a while, the amount will show up in your deposit and start generating value for you.