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3. Automate
The best way to defend against the urge to spend? Take the decision out of your hands by setting up systems that will automatically transfer money into your savings account on a regular schedule. A company retirement plan is a great example: You should have money automatically deposited from your paycheck into your 401(k). You can also set up contributions to an IRA; call the financial institution that handles the account and ask for the paperwork to set up free automatic transfers from your bank.