How much of your gross income do you save/invest, and how old are you? Curious to see the average saving/investing rate now.

Wow that is pretty tough leh, when I was taking <3k I was saving & investing 50%, spending 50%. Just as much as I would like to save, I think you cannot forgo your youth, 50-50 is a good balance & then when you earn more I think you can adjust that again.

Generally I try to follow the 20/30/50, spend/invest/save rule. But, it really depends on your situation, for example if you have three kids in a single-income household, the proportion of income will not realistically be as low as 20%

Rly depends on my short term liabilities. if i do have percentage of saving will be higher and investing will be lesser. Generally a 20/30/50, spend/invest/save rule.

To keep it simple, I only invest with SPARE MONEY. To me, spare money is the money I don't use for spending nor saving. This amount varies depending on current situation so I don't have fixed percentage.