1) Time is on your side
This is your biggest asset right now.
Let's say that you start saving at the age of 25 with the purpose of accumulating Rs 1 crore by 65. For ease of understanding, let's assume the rate of return as 9%. To amass this corpus, one would need to invest Rs 2,140 on a monthly basis for the next 40 years.
Delay this exercise by just 5 years. If one starts investing at the age of 30, acquiring the same corpus would require an investment of Rs 5,460 every month. If one starts investing by 50, s/he would have to shell out Rs 51,700 every month for the next 10 ten years to reach the target of Rs 1 crore.
The sooner you start, the lesser the amount you have to tuck away. So however small the amount is, start saving right now. Even if it is just Rs 1,000/ month, don't delay.