You've heard (and maybe you've used) the excuse of..."if I made more money, then I'd save more." I'm about to call you out on that. Every time you get a bump in pay, I want you to pretend that you never got that raise. Yes, you heard that right. Your spending should not change. Meaning that you should take all of that money and roll it directly into your retirement (unless you're already at the max). You'll never miss it, but your future self will thank you. If you're alrea