The problem: money disappears
You earn money. A month passes. It's gone. Food, cinema, coffee...
Saving is simple: it's money that you don't spend.
Why saving matters
Because life has surprises:
- Your phone breaks
- Your car needs repair
- You lose your job
Without savings, these are disasters. With savings, they're just problems.
The psychology: "You don't miss what you don't have"
If you earn 1,000€ and save 100€, you automatically spend 900€. Your brain adapts.
Save first. Spend what's left.
How much to save: start small
No money: 10€/month. Average: 10-20%. Decent: 20-50%.
The amount doesn't matter. What matters is to start.