Most of us have been taught or heard of certain percentages of income to set aside in savings. Do we do it? If not, why not? If so, what is the motivating factor? Supposing a person has emotional and behavioral control of impulsive spending while making a livable wage, they ought to have extra money available. Think of reasons why saving may be difficult, easy, or the impacts of not saving and how those may also be difficult or have their own benefits. Blame is not the goal here. Let us look at our habits and goals and see where things align.