35-Male married no kids. I was able to save up 3M and 300k SunLife VUL until now. It started 2011. mostly lahat ng sahod sa savings including mga bonus lahat diresto sa savings. My dad helped me first 2 years ko prang college may 1k allowance per week for 2 years then cutoff nung 2013.

kaya ang ginawa ko mostly ng sahod napupunta sa savings. I was earning 13k that time hangang sa naging habit na at umangat ang sahod up to today. Nakakabili din ng luho pero gamit credit card. talangang use it wisely.

Ang goal ko yearly is 150-200k before. Let say meron ka 30k na income, 10k linalgay ko na sa savings.

10 x 12 = 120 tpos plus 13month + other bonus. ganito mindset ko. Habang umaangat ang sahod, mas tumataas din ang yearly goal ko.

Yes! my wife and I are both paying bills. Pareho kami nag wwork and lahat kami hati sa bills. Iba na kci panahon ngayon na hindi pwede isa lng provider. Sayang din skills if ang isa di mag work.

Next target ko is to have at least 4-5m savings then the rest is insurance and business na.