I had no savings at all. I guess it's because I do not have the balls to do a walk of shame away from restaurants after seeing menu prices that trigger temporary paralysis. I also blame it to these shopping apps where they lure you to spend "less" on every sale event that happens every freakin month. Funny I don't actually have expensive items, high-end gadgets, and whatnot. But I do have these small and insignificant things that I bought at the thought that it does not really affect my salary. Phone cases, pens and notebooks that I do not use, or 90 pairs of chopsticks, for example. And lastly, the one that takes a large chunk of my income is my love for traveling. And I do it quite a lot compared to most nine-to-five employees in my generation.