On what to postpone from the salary now, to avoid problems in the future

No matter how your destiny develops, you will definitely need money. And the sooner you start to save them, the better.

To improve living conditions
If you have not received a legacy of mansions in the center of the city, sooner or later there will be a question about improving housing conditions. Someone will require an initial mortgage payment, someone - an additional payment for the expansion of living space or to move to a more prosperous area.

By the way, lucky people with apartments in the center, too, should not abandon the idea of ​​saving for real estate, if they have children. The idea to send offspring into real life without a penny in their pocket, so that they could do everything themselves, of course, noble, but having their own living space will greatly facilitate their life.