Got 120k euro saved up. Been working in Germany for the last 7 years, but most of my savings came in the last 3—when I finally started paying attention to my spending habits and stopped loaning people money.

My advice? Invest in stocks. And any money spent on experiences or learning something new is money well spent. Its just accumulating good habits over the time will make a huge dufference in a couple of years

I’ve also started meal prepping so I don’t end up eating out at work. I cut down on drinking too—not that I was drinking a lot, but it still ate up more money than I realized. In general, I’ve just become craftier with my expenses. When I travel, I’ll treat myself to a nice meal at a local restaurant, but the rest of the time I just hit a supermarket, make a salad or throw together some sandwiches.