How I’m Saving Up Without a High Income or a Business

When I was younger, like most people, I dreamed of being rich. I used to think that the solution was simple: just get a high-paying job and everything else would fall into place. No stress. No worries.

But reality has a way of humbling you.

I’ve been working for about seven years now, and while I don’t have a huge salary or a booming business, I’ve managed to save up a decent amount, more than I ever thought I could at this stage. And it’s not because I won the lottery or lived like a hermit. It’s because of some financial habits that were planted early on, thanks to one persistent person: my mom.

Back when I started working, fresh out of school and full of dreams, my mom introduced me to insurance and investment companies. She sat me down and explained why just saving in a bank account wouldn’t be enough in the long run. I didn’t know much about money back then, but I listened.

So I got my first insurance-investment policy, paying quarterly. It felt like a lot at the time, especially with a starting salary. But I never complained. I trusted the process. I trusted her.

Fast forward to over seven years later, and that same account has grown significantly. It’s become a quiet kind of savings, one that doesn’t sit in my wallet or tempt me with online shopping. A year ago, I got another policy from a friend who was in the business. So now, I have two insurances I’m paying off regularly.

On top of that, my mom encouraged me to put money through my grandfather’s savings account (which I won’t go into detail about for privacy reasons). It’s another way I’ve been rolling my money, passively, wisely.

Here’s the surprising part: I’ve saved six digits over these seven years, without even really feeling it.

It didn’t require a huge paycheck. It didn’t require a business. It just needed consistency and a mindset shift. I still enjoy life. I treat myself when I want to. I support my family. I go out, I live. But I also invest. And I don’t rely on just my bank savings.

Because here’s the thing I’ve learned:
Keeping your money in your bank account won’t make it grow. It just sits there, slowly losing value to inflation, while you’re tempted to spend it.

But investing? That changes the game. It makes your money work for you, even while you sleep.

I know my savings aren’t enough yet, not for retirement, not for “dream life” goals. But the foundation is there. And when I’m ready, I plan to invest in land or real estate. Maybe a franchise, too. I’m not rushing, but I’m preparing.

To anyone who thinks saving is impossible without a big salary: it’s not about how much you earn, but how you handle what you have.
Invest slowly. Start small. Be consistent. And don’t forget to live, too.

You don’t need to be rich to start saving, you just need to start.