Did you know that half of all Americans don't have $2,000 that they could grab in an emergency? That makes them financially fragile.
You want to get out of that situation. Here's what you can do.
First, you want to be aiming to save 15 percent of what you earn at all times. But don't start there. That's too high a bar. Instead, just stash two percent. In six months, nudge that up another two percent, then another two percent and eventually you will get there.
Move your savings off to the side in a separate account that you won't see. That way you won't touch them.
If you've got a 401k or other sort of work-based retirement account where you get matching dollars, do your best to grab all of those. That's free money that you don't want to leave on the table.