1.    Automate it. Let your bank do the work—schedule transfers on payday so you’re paying yourself first.

2.   Use a separate savings account. Preferably one with no debit card attached, so it’s harder to “borrow” from yourself.

3.   Try the 50/30/20 rule: 50% needs, 30% wants, 20% savings. Adjust the percentages to fit your life.

4.   Track it visually. Whether you use a spreadsheet, jar labels, or a digital tracker—progress you see is progress you believe in.