Do you make sure to save a portion of all your income as you earn it?
As much as I can. I have several sub accounts all ear marked for specific areas. Vehicle maintenance, pet expenses, house expenses, Christmas, vacation, and now the wedding. A specific amount goes into each one every paycheck
trying to put 40% of my paycheck in but it's tough since we're a one income house. I used to put 60%
The Government thinks that I'm a moron so they take my money and saves it for me so that I can retire to a dirty nursing home on my Social Security. It's going to be so awesome.
And the land of the FFFRRREEEEEEEE
If you aren't, commit today and start doing so.