I started to recount my savings journey when I overheard my younger colleagues lamenting about how difficult it was to save money with so many demands / expense to meet. These included housing loans, car loans, parents' allowance, maid salary and fees, childrens' needs etc...

I guess every young family has to go through this journey. It can seem daunting at times.

For my wife and I, our savings journey can be grouped into the following stages:
1. Starting out as a family: 1 - 5 yrs of our marriage
Saving : 0 to $15k a year.

2. Yr 6 to yr 10
Saving : $25k to $50k a year

3. Yr 11 to yr 15
Saving : $50k to $75k a yr

4. Yr 16 to yr 20
Saving : $75 to $150k a year

5. Yr 21 to now
Saving :$150k to $200k+ a year.

I told them it can only get better with higher salaries, loans being paid off, and the compounding effect of investment returns.

Last year, we achieved our highest savings ever! $330k, including a passive income of $60k!