Saving comes naturally to some be can be a challenge for others. Saving alone will not make you rich however is the first in step in building wealth and becoming financially independent.  Here are behavioralSet savings amount  in advance of windfalls (tax returns, raises, monetary gifts)  Leverage transitions ( birthdays, seasons, new moons) Manage your small purchases ( "Small leaks, sink great ships" ) For more on the 30/40/30 Rule listen to Episode 116: What to do with a cash windfall? 30/40/30 Rule30%- Past (debt and loans)40% - Present- (current needs and wants Emergency Funds)30% - Future (large purchases, down payment for homes and cars, and retirement)Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk

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