Based on a recent online survey, it was found that 2 out of 3 Singapore workers were saving no more than 20 per cent of their monthly salary. How much salary do I save? I figured that I am currently saving about 30% of my monthly salary.  This goes into savings plans, bank deposits or stock investments.  This is probably possible for me because I have kept my "wants" to the bare minimal.  Apart from the occasional dining at restaurants, I probably do not spend much on anything else.  No gadgets, clothes or whatever.  So most of my expenditure is really going into my needs and paying for the bare essentials. Based on my rough calculations, I also figure that I am possibly able to save as much as 50% of my salary if I really want to.  But that will really mean cutting back on many of the "luxury" ......