My colleague was sharing with me about her family and that her parents are both currently not working so in her case, she is the only one working.

As her family has a few small private properties that was purchased by her Dad when he was still working, they are currently renting them out but would need a small amount to cover the mortgages.


To her, her family is in debt because they are living on her paycheck and not much money can be saved. So for her, saving is a priority but she is not able to save much as she needs to provide allowances for her parents and give them a larger sum.

Both of us talked about how everyone really starts on a different footing. There are people who starts with a $0 in their bank account, those who starts with $100 000 and even those who start...