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@emyrs Nice, I get you. In terms of investments, property is going to be pretty bulletproof in Ireland for the indefinite future if you're interested in that idea. Rent a room scheme nets you 10k tax free a year. Or go the ETF route? S&P 500 and Semiconductors, Circular Economy and Blue Economy...

@emyrs And if you have plans like moving out, travelling etc saving more is better. Consider your savings in medium term and long term buckets. All of that said I never did it when I was your age and in ok now, but I'm just ok, I really wish I had made more use out of the time when I had no...

@emyrs We don't know any of your outgoings so it's next to impossible to give you an estimate. Are you renting? Paying money to parents? Loans? Car? If you have no outgoings you can maximise the savings up to whatever you don't use per month but I would say minimum 30% would be good - again...