More than 21 million people now spend 30% or more of their income on rent, which is at or above the government recommendation for how much should go toward living expenses, so Catey Hill, editor at MarketWatch, reported on a way for renters to save money: get a roommate.

According to data from the Census Bureau, the number of people in America who live alone rose from about 5% in the 1920s to 27% as of 2012. And living alone could cost tens of thousands of dollars more over the long haul. A person who opts to get a roommate in a two-bedroom apartment (and split that rent 50/50), instead of to rent a one-bedroom apartment on their own would save $420.70 a month on average, according to a recent SmartAsset analysis.

Do that for five years — even if you put that money in your checking account and don’t earn a dime of interest — and you’ll end up with $25,242. Now, let’s say that at the end of that five years, you decide to invest that money. Even if you don’t add another cent to it, you’ll end up with more than $100,000 in 25 years, assuming a 6% annual rate of return.

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