Money Americans consider $19,800 a life-changing amount of money. How to save that on your own. March 15, 2019Maurie Backman, The Motley FoolComments Off on Americans consider $19,800 a life-changing amount of money. How to save that on your own. Many people dream of winning the lottery and taking home millions. But in reality, it takes a lot less money than that to change your life.