Pay yourself first.
One habit changes everything. Before you spend on wants, move money into savings. The rest of your spending plan runs on what is left. That one move is what splits Addie, Marcella, and Nadia ten years later.
The big idea
A spending plan tells your cash flow where to go. Paying yourself first makes sure savings get the first dollar, not the last. Do that for a few years and the difference is huge.
Three students, ten years later