Show Me the Money! My Financial Reflection

Watching my favorite show segment Suze's Orman "Can I Afford It?".  She would always ask show me the money.  People would explain their financials in these terms:

• Income
• Expense
• Debts
• Savings
• Investments
• Retirement Fund

*credits to Ronald De Los Santos

People don't really feel comfortable talking about their financials so I learn a lot from the show.  Now, let me share mine.  I'm a full-time student at the age of 24.  I still have three to four years to go.  Sadly, I have no income and I'm spending quite a lot.  I have yet to build my savings, investments and retirement.  The thing is I always hear Suze explain that as you reach the age of 45, you need to have $ 1,500,000 or (64,000,000 pesos) on you're retirement at least.  Do you think that applies to the Philippines as well?  I'm really worried if I can catch that amount.  So how about you?  How are your financials?  

Another thing I learned about the show is that couples should first talk about finances before getting married.  A lot of lies are built and disagreements between partners occur because of financials.  As if culture and a other criterias in selecting a soul mate is not enough right?  I have yet to meet someone who agree with my financials ideals though.  I think the chances are slim.  I guess, that's what fate is for.