"People with goals succeed because they know where they are going." - Earl Nightingale My wife and I knew when we first were dating that the only helping hand we would get was at the end of our own arms. Two weeks after me meant we started a joint savings account. I still have the passbooks from that account some 50 years later. The amounts were small. Some less then a dollar. It was not the amounts it was the discipline that was important. You have to set the discipline when the amount are small. If you wait till the amount are large it is still not going to happen. Other "things" are now keeping you from the discipline.