[evanmoran]

What I’d recommend isn’t to be perfect, but to put a piece of it in useful places with automatic payments. This way the system is easy to setup once and will be pretty good over a long term. So if you’re in the US pay off all cc debt and then max your retirement options (401k and Roth both). This reduces taxable earnings. If you have more after that do a monthly contribution to an index fund. This will be a good starting point and will keep your bank account looking more like it has to this point.

[LeafItAlone]

This is good advice to me. I’d also add that if there are areas of your life that you think need improvement, don’t forget to improve your life. Keep it in check and avoid lifestyle creep, but if you’re constantly unhappy with something, some might argue what’s the point of all of that saving?