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@kknmksmama Yep based on your post, once you're back and grounded here that's going to be your biggest hurdle/step forward. You have all the right habits and the best way to increase the amount you save going forward is going to be to earn more money. I think the extra you could maybe save by...

@kknmksmama You certainly are not behind the vast majority. Sure you will read about person X on this sub having 60k saved away by 20 years old, but this sub is absolutely miles off from the average kiwi. The finamcial literacy of the average kiwi is truly awful and very, very few have their...