[GuiA]

> I'm already very frugal (haven't failed to put away 20% of my monthly income in savings for... quite a while now)

Try to bump it up by a few percent every month (cook at home, buy less useless shit, sell stuff to buy stuff, etc.). On a developer salary, you can easily put 50%+ aside every month if you're without kids/mortgage.

[eli_gottlieb]

I'm going to reply this above, too, but did you notice where I said graduate student?

Yeah, we don't get paid the kind of money where we can save 50% every month.