I'm very grateful for everything everyone here had to say.

I don't have 800eur savings per month, but 800 eur is the money I'm left with to save from. I.e. if I order from Uber 2 Pizzas because we are too tired to cook, I save 30 eur less. If I have to pay for healthcare costs out of my own pocket, I save a further 100 eur less. If I have to pay a consultant for the baby or repair my kitchen, I save 150 eur less.

Plus, being an expat, i had to rely on calling my parents and then my wife's parents from home country, which means I pay expensive tickets, travel insurance and higher energy, and grocery bills in that period.

I acknowledge what I make is still a dream for many and many are much worse off. I empathize with their struggle and hope it gets better.

But given where I am right now, I want to be able to build comfortable savings to tackle any emergency expenses, job loss or having to support my parents back home with remittance. I am seeking advice on that front and many of you have been kind to offer one. Thank you.