Grant Sabatier logged online to check his bank balance one day, and saw that he only had AU$2.95 (US$2.26) to his name.
He couldn’t even afford the burrito he wanted for lunch, and he knew something had to change.
The 20-something had finished college, but was living with his parents, unemployed and – as he had just realised – completely broke.
By the time his 30th birthday arrived, Grant's bank balance looked a whole lot different: he had managed to save AU$1,308,306 (US$1 million).
So, how did he do it?
The first step on his way to becoming a millionaire?
Realising his full-time job wasn't going to pay the bills and help him save.