“You don’t spend what you don’t have”. The best financial advice I ever received was having a set percentage of my income directly taken out of my paycheck and go into a separate bank account that I had little access to. I never missed the funds and it added up to small chunks that I was able to use to pay off my student loans in record time. I still use this technique and it helps with paying off large purchases and saving for the future. I often share this with my clients that are struggling with saving for a home.