I often hear this question both in the office and in casual situations, as if it's a joke about my journey or financial track record. I have tried hard to increase my income apart from my monthly salary, I also invest, work online and open a business, but it seems that increasing my income also increases my expenses, so I also try to save money in various ways, such as rarely having coffee with friends or eating together, don't have a credit card and I also reduce the latte factor, but I'm also often accused of being stingy. How about you?.