Stash your savings at a different bank than your checking account.
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My suggestion/realization: Stash savings in an account of a completely different bank.
For a lot of younger people, having a savings account is a good first step, but if the savings account is connected to the checking account via the same bank or network, then it's too easy to transfer money from your savings to your checking, especially with all of the easy-to-use tech we have now (ex: smartphone banking apps).
However, when your savings is a series of other "next steps," it becomes a lot easier to force yourself to hold on to it.
I started doing that recently and the changes have been very positive, but had I known it when I was younger — it would have made a lot of future planning much easier.
— Lamar Salter
