Set up automatic transfers of small fixed amounts — $5, $10, or $25 — on a daily or weekly schedule. Invisible to your lifestyle over weeks. Significant over months and years.
People who say they have nothing left to save. Small consistent amounts compound into hundreds or thousands per year.
Open a savings account you won't see in your daily banking view (even at a different bank).
Set a recurring transfer: $5/day = $1,825/year. $25/week = $1,300/year.
Set it and ignore it for 90 days.
After 3 months, check the balance and increase the transfer amount.