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All of the contributions are excellent suggestions so far. I'll add my two cents 🙂  Just begin somewhere. The biggest obstacle to saving appropriately for the short-term or long-term is just beginning the process. Begin somewhere then you will figure it out and refine your methods as you go.


I favor automating the process. If you never see it in your paycheck (contributing to an employer plan) or it is automatically transferred from your checking to savings/investments, then you will never miss it. Set some beginning goal to automate a set amount/month. Live with that for awhile, then increase it over time.

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