ABC Everyday Investing can seem confusing, but starting small can ease you into it. ( Share Print text only Looking to invest your savings? It can seem like a scary prospect, but it's never too late to learn the basics. Here's how you can take the first few steps. Before you throw money around Finance educator Kate Campbell suggests having three to six months of your essential living costs put aside before investing. (However, she says if you're young and healthy without any dependants, you may be OK with having a little less than that.) And you'll want to first pay off any major debts, put aside money for emergencies and make sure you're up to date with your mortgage (if you have one).