Okay, it is actually 40 or even 50. But that is putting the cart before the horse.
I was not big on savings. As a matter of fact, that was the last thing I would do, literally. I would pay the bills, of course, and then have a good time (of course) and then, if there is money left, the money goes to the bank. This happens maybe, oh, twice a year. It does not help that D and I share the same interest (or obsession) – and those are eating in nice restaurants and watching movies (and going to spas, and buying Nike Shoes, and Zara dresses, and bags, uhm).
In one finance seminar I went to, I was introduced to a new money philosophy – pay myself first. I did not understand.