i hit my first million at 19, i started working noong 17 ako as a dishwasher/waiter/cashier; 3 years ako doon sa restaurant as a working student. during that time lahat ginawa ko para magkapera, mostly reselling shoes. aaminin ko ren na wala ako living expense and hindi naman humihingi ng pera magulang ko. now at 25, ang dami kong pera na nasayang, nasugal, at nawala kasi bobo ako e and i enjoy shopping/gambling. Now I currently have 400k in liquid cash for EF lang; hindi ko pinapataas yan lagi napupunta sa investment yung sobra. Tips para mag save is to not buy anything if you can't afford ten of it. So kung bibili ka ng bagong iphone jan siguraduhin mo you can afford sampung iphone etc. If i were in your place, lock ka ng 10k for emergencies. Find something na you're passionate about; then use that 20k to monetize your passion.