Savings

Savings are the bridge between earning and investing, the third of the four levers introduced in the Foundation. This part covers how much to save, where to keep it, and how to make the whole process automatic so willpower isn’t part of the equation.

A practical sequence:

1. Build a starter buffer (covered in Emergency Fund).
2. Pick a target savings rate (Savings Strategies).
3. Park the money where it actually grows (High-Yield Savings Accounts).
4. Automate the whole flow (Automating Savings).

From there, the money is ready to feed into Investing.