im 24 and i feel i should have around $20,000 rather then what i actually have in the bank(which is nothing compared to what i should have)

i’ve taken some small steps such as i dont eat out as much and joining net flix for my movies(compared to myself buying every movie i have an interest in)

but some times i do dumb things for example lets say i go to best buys looking for an ipod arm band so i can do my routine jog and listen to music. the arm band isnt there….so instead of saying oh well and leave its like i have to buy something else to make up for it….and its usually more expensive.

anyways any good tips?