The only thing that increased my savings accounts was making more money. THAT IT IS. No change in spending. No sacrifices. It was making enough money to cover expenses and having disposable income.

There’s no trick to it. It’s designed that way.

“Financial literacy” only makes sense if you’re talking about understanding investment, retirement savings, and taxes.

For basic savings and income??? You have to make more money.

There is no get rich quick scene. It is only having a salary that allows you to meet all financial obligations plus have enough extra to split and save or risk in a variety of places.

scheme* damnit