19. Start Saving For More Than Middle-Class Emergencies
Having a regular savings plan is about more than setting aside money for emergencies. Emergencies are going to happen, and the ones that are most likely to happen are the ones you do not plan for. Saving money in a regular plan is about planning for the future that you do want so that you do not have to settle for anything less.
If you hope to be able to buy a house within the next few years, you need to save to make a down payment. If you wish to retire early, you need to start saving with that goal in mind. Again, planning for your financial future is about values and prioritizing those values.