Thank you for the opportunity to help you with your question!
This is a person to person dependent question. Let's suppose that you are going to get a job tomorrow and you are going to earn a lot of money. So I can say that you start to use your budget when your first salary come but if you are now a family dependent person then hell you have to depend on family income and have to save your pocket money for your future. if you are married then your wife is going you to help out. So when you think that you are ready to start it, just start it.
Please let me know if you need any clarification. I'm always happy to answer your questions.
Dec 13th, 2015
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