To be honest what I'm doing financially is not that clever. The starting salary for newly graduate students in my field without any experience is around 10000$ more a year compared to what I'm earning now. I was just too desperate about not finding a job that I accepted the offer. When it comes to building wealth the biggest leverage besides time is your income. If it's possible you should focus on earning more before you start to try hard saving more of your current salary... Someone with a higher salary could easily save in a year what took me 2 years of "hardcore saving".