A Gen Z worker in Spain spends just 5% of his income each month after years of planning. He explains how he does it and how others can increase their savings.

• Santiago Puértolas achieved a 95% savings rate on his monthly income after seven years of planning.
• He bought a home in a Spanish town, got a six-figure job, and started maximizing his investments.
• He spends money only on things that make his life easier or happier.

After years of planning, Santiago Puértolas is saving nearly all of his low-six-figure income.

Puértolas, 26, started outlining how to maximize his savings rate over seven years ago during college. His plan involved maximizing his income from work, achieving multiple streams of passive income, and minimizing his expenses.

According to documents reviewed by Insider, in recent months he's been able to meet his goal of saving about 95% of his income from working in corporate strategy at a tech company.