20,000rmb a month is nothing when converted to USD or AUD, and it will go nowhere in a city like Sydney or London, or even "new world cities" like Brisbane or Perth.

I would agree. I knew this one younger fool, a bit full of hubris for my liking, bragging about how he had 10,000 rmb saved. He was then later bragging how he had 10,000 rmb in cash to take home to the UK.

I informed that 10,000rmb equates to nothing in the uk, but he was living with his parents at the time. And had his flight back.