21yrs old, constantly 70% since i got my first job 6 months back*means gadget & clothing etc spending substracted from 30% left* always put all savings on capital growth investment*not yet starting cashflow investment since i still adjust to working life properly* gonna 74% saving rate after next increment*soon * living with girlfriend, having several occasion in a month. no car installment*never thought its a good investment unless i've too much cash on my pocket, n public transport in KL is good enough for me* still learning to manage my fund better, hope to learn from lyn fellow