From all the above. 10-20% is average saving.

For me i save 20% which equal to RM 1000.

But RM 1000 is not much but better than nothing. Every month there will be unexpected expenses ( Air con rosak, yearly Car Insurance, change water filter, car maintenance, kids wanna buy this buy that etc. plumbing problem)

On the other hand, Investment took a long time for returns. so i dont invest.

Anyone had similar experience. My point is seems so hard to save nowadays thou you want to save. please give rationale comments .