It's 2019 and most people still haven't saved any money. Recent studies have shown that nearly half of millennials have LESS than $1k in their savings account. This means that they're living month to month, just barely scraping by. So what is causing this problem? Student loan debt, rising cost of living, pay decreases, less opportunity all contribute to this problem, yes... However... Lack of money management skills like: Making a budget, saving money, investing, picking a good career, planning, etc also greatly contribute to the problem, and these are things that you can be 100% in control of Reddit has always been an incredible resource for me, almost like my internet parents. I've learned so much from random people on reddit over the years and I greatly appreciate all of it (even though I lurk approximately 97% of the time). So I went exploring on r/AskReddit and found some great ideas for different ways to save money. Not all of these ideas will work for everyone, that's fine. You may already be doing some of these and that's fine too. Chances are if you implement a few of these ideas you will be better off and you can then save up some money for your starbucks emergency fund or maybe even open up your very own avocado toast 3D printing business A few notes on the video that I want to clarify: Credit cards: Dave Ramsey recommends you don't even get credit cards. The reason for this is, the average person simply doesn't have the self control to use credit cards without messing up and getting into debt. If you know that you don't have much self control, then don't get credit cards, period. However, if you have a little bit of self control, you can get credit cards and use them to increase your credit score, leverage your money, and buy investment properties etc etc etc. You can also use them for residual benefits such as cashback or sign on bonuses and if you're smart and responsible with this, its a nice, easy side income that takes little to no effort