If you want to be a millionaire at 65, you need to save this every day.

Of those studies that always say that money doesn't make you happy. I really know them, but yeah. I can't do much with it.

Because I just enjoy spending money. There's always a shirt I need, a bag I dream of, and a trip I want to book this year. So I might as well save diligently, because then I'll be a millionaire later. And it's not that much. Financial advisor David Bach has calculated it for you. If you're 30 years old, you need to set aside 6.10 euros every day. If you start even earlier, around your 25th, you only need to save 3.45 euros every day. A twenty-something only needs to put 1.92 euros a day in a piggy bank. Look, those are small amounts. One less coffee to go and you're there. One less beer at the Friday afternoon drink.

Let's say for convenience that I'm going to do this and I'm now thirty (which I actually am). If I set aside 6.10 euros every day, I'll have saved 2,226 euros in a year. Then at 65, I'll have an amount of 77,927 euros. That's not a million, no. Not even close. But according to David, that's fine, as long as I invest this amount in something that gives me 12 percent interest. I really don't understand anything about investing and let that be left to smart big shots, but I do believe that if you handle your money wisely, you can get more back. Invest it in real estate, that's always a good plan in my opinion.

It turns out that you especially shouldn't leave it sitting idly in your savings account, but that you need to do something with it if you want to get more back. Just frequently switching banks can earn you tens of euros a year. Current tips are investing in solar panels and cavity wall insulation. Just Google what that is. But that's exactly what gives you that 12 percent return. And then you'll be lying on Bora Bora.

So, my first 6.10 euros is in my new mini savings account.