Well, another year has come and gone. The previous year, which included the early part of 2015, I had managed to hoard $20k in 9 months. For the year of 2015, after adding my sums, I have only managed to eke out $20k over the 12 months. WHAT??? Only $20k? And its over 12 months, a good 3 months longer than the duration I managed to save the same amount last year! While this year performance has been poorer than the last, there are certain reasons for the decline in performance. Reduction in Disposable Income A large part in the reduction of income saved is due to the enrolment in the Employee Stock Purchase Plan (ESPP), which kicked in at the beginning of this year. Since it is a good 10% of my income, my savings will suffer a rough reduction of $320 every month, assuming the graduate average pay ......