As I said earlier, all of us must have a saving, especially the young ones. Must do a budget. That's how you know the balance that you have after minus everything in that month. You can check my old post. I mention rm50 for your monthly saving because that's the least you can save every month if you have lots of things need to be paid. If you never withdraw that money, let's say for a 15 year saving. Rm50 X 12 months X 15 years = RM 9000. See ! And that haven't plused the bonus yet. And how about if you save rm100 every month? Rm100 X 12 months  X 15 years = RM 18,000. A lot right ? 

As the old saying goes, "sedikit-sedikit lama-lama jadi bukit".