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Using your budget, make your savings automatic by splitting a portion of your direct deposit into a savings account or money market account. If you increase the amount you’re saving, and don’t miss having this money in your checking account, then this increase was probably a good saving move. Consider keeping emergency funds in a combination of locations, including an online savings account, money market account and short-term CDs. Since you might be forced to use an emergency savings account as a transactional account in an emergency, a money market account can be a good option here – assuming the APY is competitive with the top savings accounts available.

Each week, the typical American on average buys takeout or restaurant food 2.4 times, buys 2.5 prepared beverages (like smoothies and brewed coffee) and spends $17 on lottery tickets, according to a Bankrate survey. Meanwhile, the highest-earning households (with an annual income of $75,000 or more) spend just 2.6 percent of their income on prepared drinks, restaurant food and lottery tickets. In a recent blog post, Michael Kitces, a certified financial planner, argues that the lowest-income households shouldn’t bother reducing their discretionary expenses and cutting out their Starbucks coffee; they’re not making much money to begin with. If you don’t have enough money in your rainy-day fund or you’re looking for an easy way to boost your savings, spending less on coffee, lottery tickets and restaurant food could help to an extent.

Waiting until you’re 22 to open a credit card is a safer bet, says Costa, a certified financial planner in North Andover, Massachusetts. I think those who are able to buy a home at 28 are married at that age and they have dual income to be able to afford a house at age 28. But Lauryn Williams, a four-time Olympian who founded her own financial planning company, says you can start saving as early as age 19 in a Roth IRA. Americans say the ideal retirement age is 61, but the financial planners we surveyed agreed that retiring at 61 wasn’t realistic for most people.

Her big break followed when she landed her “Orange Is the New Black” role in 2012. As of June 2017 Uzo Aduba had a net worth of $1 million, according to Celebrity Net Worth. Use the net worth calculator to check how your net worth compares to a television star like Uzo Aduba. Aduba has won multiple awards for her role on “Orange Is the New Black,” including two Primetime Emmy Awards, two Screen Actors Guild Awards and a Critic’s Choice Television Award.