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Message: [QUOTE="SubbaBub, post: 2703325, member: 523"] Work hard, find something you are good at that other [s]people[/s] businesses will pay you to do, get a little lucky, and pay yourself first and you will eventually get there. My monthly nut includes minimum savings based on retirement goals and emergency fund. Though to be honest they are one in the same at this point in my life. Younger me would keep it in the event of job change or absorb another major expense without resorting to debt. Now it just goes to the investment account, even though I still have the auto transfer set up all these years later. I earn enough now to not worry about that stuff but it took more than a few years to get there. [/QUOTE]