Therefore, we need to create a system to automatically remove the money when we receive it. We need to transform ourselves into savers. Savers pay themselves first. The secret to saving is writing the check to savings first. Do it before paying other bills and obligations.
Savings is a habit to be forged.
There were also reserves for an investment opportunity or slow closing month. The more you make your money disappear into protected accounts, the more you will have for later. Creating financial wealth is the process being diligent with your money. I remember a series of Fram oil filter commercials in the 70's that were a lot like creating financial independence. The service station attendant, while looking under the hood of the car, was trying to convince the customer to use a Fram oil filter.