Four steps can help cultivate the habit of saving money. The first is to set a specific saving goal for an emergency fund. This focused goal will build habits that become sustainable saving. The second is to save something every day, even if it’s just a few dollars, because repetition helps to form habits. Third, making savings visible, whether by checking a savings account online or keeping cash in a glass jar. Fourth, consistently spend less than you make—in addition to cultivating a saving mindset, it’s important to change a spending mindset.