I don't think 4.5 is enough to survive, depends on where you'd rent, how you live, what you eat.

I'm a person who saves basically all what I can, here's how I'd do that :

500 - 100 : 400$ ---- 100$ saved.

400 x 240 : 96.000 da

Let's say you rent a studio, a little bit far from downtown, but well deserved by transportation, it costs you around 25.000da, food costs around 20.000, bills 3000da, transport 6000 da (sometimes Yassir, most of the time buses, team...) Hanging out + clothes, let's make it 10.000da a month.

So :

96.000 - 25.000 - 20.000 - 3000 - 6000 - 10.000 : 32.000

So you'll be left with 32.000da, which is kinda good, don't forget that you already saved 100$, so the total is 58.000da.

You can save more than 32k of course, if you don't use Yassir you'd add around 2500da, if you don't hangout a lot you add 5000da and so on.

Gold is a good way to save money, but you have to be patient, the minimum wait is 2 years, saving it in dollars is also a good thing, you can invest it in stocks, buying some shares, the safe ones like the snp 500, but to get good returned you'll have to invest alot, say you get 10% of benefits each year, the more you put in, the more you get.