BKK
Blackrock Municipal 2020 Term Trust
stock NYSE

Ich weiß das ist nicht mega relevant und ja ich würde auch selten Cash zahlen, aber zur Info ein guter Teil der Leute da sind auf Meilen.
FRA/BKK kostet Business \~1000€ auf Meilen, die beste Verbindung ist Condor Business nonstop, deren A350 trumpft alles was die Lufthansa fliegt (bis auf die wenigen Allegris).
zB random Termin Aug 19, Condor DE2574 kostet 75200 JetBlue Meilen + USD 152.30. Alaska hat es bis vor kurzem noch für 75k angeboten.
Meilen bekommt man für maximal 1.3cent pro Punkt gekauft via Punktebroker, minimal generiert man die sich einfach so kostenlos via US Amex zB.

Hello! I was doing a quarterly audit of my wealth and I'm so stumped to learn that I basically just saved around 220k pesos (more specifically that's what's sitting in my banks right now including EF) after a total income of around 590k pesos. With virtually no responsibilities. I don't even pay for bills.
For more context, I'm 23, just graduated last June (which was expensive af I paid for most of the stuff myself and spent around 50k pesos huhu). I started working WFH in January and now earn 80k a month (started at 35).
I stay with my sibling in BGC and only contribute 5k for rent and bills. I would also pay for laundry and do grocery which would total to another 3-5k a month. I have a total of around 2700 for subscriptions (bulk is AF subscription). And that's it. After identifying the big shell-outs (50k grad, 60k BKK "welcome to the labor force" trip lol, 26k AF PT package) and 50k for shopping, my brain is still not connecting the dots.
It just feels like with 80k, I *should* have more in savings.
Am I doing okay? Is it just the economy? Or am I overspending?
What's crazy to me is I feel so restricted--like I've always been frugal and even take weeks of research before making a big purchase. This is making me even more anxious to learn about honestly.

Ich weiß das ist nicht mega relevant und ja ich würde auch selten Cash zahlen, aber zur Info ein guter Teil der Leute da sind auf Meilen.
FRA/BKK kostet Business \~1000€ auf Meilen, die beste Verbindung ist Condor Business nonstop, deren A350 trumpft alles was die Lufthansa fliegt (bis auf die wenigen Allegris).
zB random Termin Aug 19, Condor DE2574 kostet 75200 JetBlue Meilen + USD 152.30. Alaska hat es bis vor kurzem noch für 75k angeboten.
Meilen bekommt man für maximal 1.3cent pro Punkt gekauft via Punktebroker, minimal generiert man die sich einfach so kostenlos via US Amex zB.

Hello! I was doing a quarterly audit of my wealth and I'm so stumped to learn that I basically just saved around 220k pesos (more specifically that's what's sitting in my banks right now including EF) after a total income of around 590k pesos. With virtually no responsibilities. I don't even pay for bills.
For more context, I'm 23, just graduated last June (which was expensive af I paid for most of the stuff myself and spent around 50k pesos huhu). I started working WFH in January and now earn 80k a month (started at 35).
I stay with my sibling in BGC and only contribute 5k for rent and bills. I would also pay for laundry and do grocery which would total to another 3-5k a month. I have a total of around 2700 for subscriptions (bulk is AF subscription). And that's it. After identifying the big shell-outs (50k grad, 60k BKK "welcome to the labor force" trip lol, 26k AF PT package) and 50k for shopping, my brain is still not connecting the dots.
It just feels like with 80k, I *should* have more in savings.
Am I doing okay? Is it just the economy? Or am I overspending?
What's crazy to me is I feel so restricted--like I've always been frugal and even take weeks of research before making a big purchase. This is making me even more anxious to learn about honestly.