sorry, last comment was re 1.6m response...

the thing is singaporeans been brainwashed into accepting low income 2k, 3k a month etc. cos govt so good, build good roads, schools, hospitals etc. but ministers earn $2m...

firstly, dont start your 1st job 25, lmao, by that time i was heading for VP.... first job was 21 in europe, about 60k, headhunted at 23 for 90k, promoted to VP at 26, 130k+50kbonus, then a few good years at 250k-300k (dotcom boom), took a lifestyle break (50% paycut, 200% life back) headhunted again 400k+ a few years there.

spend like crazy, yachts, parties, $500 wine, cars etc, and had to pay 30-40% tax, but still stockpile some good cash, got some dosh from buy/sell 1 bed flat, and stocks, not much, never got real lucky, but now heading to 2m cash age 36. i remember i had zero dollar age 22.5, paid off all debt and had to defer my credit card bill by 2 weeks to wait for wage, but after that, it just grew... made all my own money...

key to get rich/comfy is not to save and be frugal, but spend the time making money, investing, analysing...for the same time you save 1 dollar, i'd have made 5 dollar. just look at the top 5 biggest expense you have, and forget the rest...you're not going to get rich deciding whether to take a bus or a taxi... you need to spend money to make money...