SAVING / INVESTING
One of the most important ways for us to reach financial independence is by increasing our savings rate. Over the past few years, we've been able to achieve a savings rate of approximately 50%. I consider myself a natural saver and as weird as it may sound, I actually enjoy saving money. However, just saving cash is not enough because the value of cash decreases over time. We need to invest to grow it. Fortunately, hubby is interested in investing so we form a good team - I'm in charge of saving, he's in charge of investing.
2015 - 2019 savings rate illustrated in red