I've got to admit, the most difficult part of saving money is that first you need to be able to comfortably afford your basic expenses, in particular, housing.

It requires relatively no effort just discipline for anyone to save money and live within their means. yet, most don’t most always have an excuse. Within the design and engineering department that I worked in more than half of the people did not save always had an excuse even before they were married and had kids.

Just setting aside 25% over time adds up to a sizable amount.