Few of us have time to go stuffing cash into real envelopes, and even fewer of us are dealing with that much cash, anyway.

Treat your savings like a non-negotiable bill. Set up automatic transfers into an investment or savings account. Even a small amount each paycheck adds up. This habit builds a financial safety net ...

Write down your “why” and keep it somewhere obvious and unavoidable, ideally something you can see first thing in the morning ...