Setting up automatic transfers to my savings and ETF accounts and never looking at it to not get tempted to spend anything has been working for me tho, about 50% of my salary goes into those two each month
(also living in a country with a good social security net, having a job that pays relatively well, and being very, very frugal because my brain gets a lot of enjoyment from optimizing every number-based problem I come across)
Setting up automatic transfers to my savings and ETF accounts and never looking at it to not get tempted to spend anything has been working for me tho, about 50% of my salary goes into those two each month
(also living in a country with a good social security net, having a job that pays relatively well, and being very, very frugal because my brain gets a lot of enjoyment from optimizing every number-based problem I come across)