Small Saves, Big Wins
Building a savings habit isn’t about stashing away thousands overnight (spoiler: no one does that). But getting started can be intimidating, even if you know it’s important to invest in your future self. According to financial pros Courtney Alev (Credit Karma) and Tori Dunlap (Her First $100K), it’s important to recognize that the real game-changer is consistency, not perfection.
“Saving is like fitness—consistency beats intensity,” Tori told The Newsette. When you think about it, even $10/week = $520/year. What matters most isn’t the number, but the habit.
Courtney added that you should “make a plan that’s realistic. Even during expensive months, small contributions keep the habit alive. “Consistency matters more than the amount. What’s important is making a plan that’s both specific and realistic, so you can stick with it.”
Think of savings as a skill, not a sacrifice. Here’s what to remember when getting started:
Set yourself up for success, not overwhelm by getting clear on your spending. “Start by taking stock of your essentials. Then look at what’s left—and automate a small amount into savings every month,” said Courtney. “Set it and forget it.”
Start with a percentage instead of a number. “Try saving just 1% of your paycheck,” said Tori. “If you earn $2,000 a month, that’s $20. The key is proving to yourself you can save. That’s how you build momentum.”
Keep the habit growing. Saving can feel slow, but that doesn’t mean you’re failing. “Progress isn’t always linear,” Tori said. “It’s messy, interrupted, and human. Saving $20 when life feels chaotic is proof you’re still showing up for yourself.”
Remember your why. Every dollar saved is an investment in your future self, so ask yourself what freedom or peace you are buying with this habit.