I promise I'm not copying @Mindy Jensen 😙 1. TRACK. Track your spending. You can't fix something without knowing the problem... 2. CUT. Cut the Fluff Use step 1 to find aspects to cut ($8 coffees and dumb subscriptions is a great place to start ((even though I write this while drinking an $8 cup of coffee)) 3. BUDGET. Create your brand new budget after you've cut the fluff. 4. YOU FIRST. Pay yourself first. Start paying off dumb debt debt first (credit cards, 10% car loans, etc) then contribute to your IRA, 401k, TSP, HSA, etc. 5. EARN. Make more money. See Mindy's step 4! Bonus: Don't keep up with the Jones'. We're all human, so we all inherently buy material items that others would think is wasteful. Find your material thing that you irrationally love, and splurge on only that. Do you like watches? Nice shoes? V8 cars using premium gas, flying 1st class, incredible vacations? Pick one.