My grandpa was fiscally conservative. He used to keep a hidden floor safe with money - just in case. He also kept his checkbook balanced with a fake zero balance; the real balance was $500. He did these because he was concerned he might never have enough money to take care of his family. Another grandpa requirement was for at least 20% of his paychecks to be placed in a retirement savings - right off the top. This money went straight into savings before any bills were paid. As a New Year's resolution - start saving and protecting your family's future. Choose a percentage and have that money transferred into a savings account. Start small and let it build.