Today, my wife and I regularly go over our spending and our accounts to look at how we can improve and try to adjust our finances. This has allowed us to get on the same page financially and to align our financial goals. Together, my wife and I are in the top 1% highest net worth for people our age in Canada. We didn't get there with a get-rich-quick scheme, though — it took careful planning and thoughtful budgeting and spending. I saved my first $100,000 by age 24 I've always been a saver, and reaching $100,000 CAD in my savings account was my first big financial goal when I finished university and realized it was possible. I was 22 years old when I graduated, and my starting salary was just over $50,000 CAD. I realized that I had two choices: I could use this money to spend lavishly and treat myself to nice things, or I could live as if I had less, and be able to save a large amount of my hard-earned money. Spoiler alert – I chose the latter.