saving habit changed with income.
<100K.
excel projection, at the end too tired and find life meaningless, end result , 10-12k per year.
<100-150K
find life is fragile and unpredictable, open up, strike a balance, need to enjoy life along the way than save for no entertainment, no travel. no longer tracking monthly saving .
just know that there are 30-40k yearly increment.
170-200k
since life style no change, travel more .
only yearly tracking.
50k annual saving.
>200K
no monthly saving tracking, wisely not be money slave, just spend within mean.
start some investment to get some passive income.
struggle for the last 3 years, yearly income increased by 50-70k but saving has stayed the same.
3 years no travel but don't know where money spent to.
saving enough for 10 years living without job.
Read HWZ Forum Rules!