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If you want to build wealth over your lifetime, the only sure way to do it is to get your plan on autopilot and make everything that's financially important in your life automatic.... I recommend that people automate a handful of things in their financial lives. You can set it up once in less than an hour and then go back to your life.

One of my readers and his wife used a similar setup. They wanted to stop eating out so much and start cooking together more. They labeled their savings account "Trip to Europe." Whenever they skipped going out to eat, they transferred $50 into the account. At the end of the year, they put the money toward the vacation.