How many Americans live paycheck to paycheck? How many Americans are living on credit cards and not saving for retirement?

Saving starts with earning income and then not spending that income, but we both know that there is a lot in between.

I believe we could all live with less stuff. We could all find more joy in the free parts of life.

Everyone needs to learn the joy in saving. I have lived in the edge of spending all the money I make and life is much more peaceful when you have some savings set aside.

1. The Emergency Fund is the beginning

2. Your perfect savings rate

3. Never pay full price

4. The tech piggy bank

5. Your savings should work for you.