@kellypmart Similar age, we’re 24. We keep cash for emergencies for 3 months in a separate account, it’s not invested. We also have an accumulating travel account where we put 10% of our salaries each month, this money is spent at the end of the year. We invest 34% of our salaries, it’s a buy and hold strategy with no clear liquidation date in mind. 25% goes to rent, the rest of the money goes to monthly expenses. We have no cash that is “lying around”, it’s all either spent at the end of the month on some expenses or invested or goes to the travel account.
