The easiest way to build savings is to make it as easy for yourself as possible. Let the savings build without even noticing. One strategy is to have your net pay delivered to two separate accounts. The first account being a checking account from which you pay all your bills and retrieve ATM cash; the second account is a savings account which you use to build up an emergency fund and purchase investments (individual stocks, mutual funds, real estate, etc.). That makes the savings buildup more ‘invisible’ to you, and painless. It will build up to substantial amount with little action on your part.