Use the Pay Yourself First Method

The Problem

Saving what's left after expenses means saving nothing. Expenses always expand to fill income.

The Hack

On payday, immediately transfer your savings goal (10-20%) to a separate account. Budget the remaining amount for everything else.

Why It Works

When savings is the first expense, your spending adapts to what's left. When it's the last, it gets whatever crumbs remain — usually zero.

Pro Tips

• Warren Buffett: 'Don't save what's left after spending. Spend what's left after saving.'
• Start with 10% if 20% feels impossible
• Separate savings bank makes it psychologically harder to raid
• This one habit builds wealth faster than any other