Ideally, individuals should start saving money as soon as they start earning an income. This can help develop good saving habits and create a financial cushion for unexpected expenses or emergencies. It can also provide opportunities for long-term investments, such as a 401(k) plan or IRA, which can grow and provide financial security in retirement. However, for individuals with high levels of debt or limited income, saving money may not be feasible until they have paid off their debts and increased their income. In these cases, it may be more beneficial to focus on paying off debts and building a strong financial foundation before starting to save.