I spend just under 50% of my income on rent. I save around 20% per month. This is London, not the Bay, but I'm reasonably sure it's possible to accumulate sav

I spend just under 50% of my income on rent. I save around 20% per month. This is London, not the Bay, but I'm reasonably sure it's possible to accumulate savings even there - it just depends what you choose to spend money on. Guy I work with spends less than half what I do on rent (he shares a room with his gf in a larger house and lives further out), but spends a fortune on things I'd never countenance. A vive, a £400 graphics card etc. Clothes? Alcohol? Expensive meals? Coffees? Phones? Computer games? Peripherals? All choices that we make, all costs we can avoid/minimise.