I am a natural saver and have been for as long as I can remember. There was no parental influence involved, it is just what I do. When I received birthday money as a child, I remember putting it in the bank. I didn't start working until I was 23 when I was studying and living in South Korea for a year in 1995. I taught English while I was studying to earn money for living. I also managed to save some of my earnings and used them to backpack through France, Spain and Germany for three months. During this time I visited the European friends I had made while living in South Korea. Admittedly I am not the best at traveling alone, but it was a such a growing experience to find my way around counties with a different culture, food and language. I loved the challenge.