Everyone has an excuse for not saving!
Mine was, "I'll be earning twice as much as I'm on in a few years, so what's the point?" Well guess what, a few years came and I still wasn't saving, In fact I was still using the same excuse.
So what's your excuse for not saving?
I don't earn enough... Newsflash, you'll never earn enough! You'll always keep "living into your pay rises." Humans are engineered to spend everything they make.
I'll save money later... No you won't! You'll keep procrastinating until you hit 55, realise that you have to retire soon, and start panic saving.
I'd rather enjoy my youth... Go ahead! Then you can enjoy working the rest of your life to pay off the debt you've racked up "enjoying yourself."
I've got this hot business idea/investment that will make me rich... That's great but what happens if (when) it all blows up in your face? Shouldn't you hedge your bets by getting rich the old fashion way?
I'm going to win lotto/marry rich... *shakes head and refuses to dignify with a response*
Honestly I don't care what your excuse is, I've heard it all before. They are nothing but rationalisations for behaviour that we consciously know is counter-productive. They are the little lies we tell ourselves to help us get to sleep at night.
Well enough excuses: It's time to Shut Up! And Save!