text: Well first of all, that is not a question, it is a statement.  Yet I am going to assume that you are trying to say "How can you save money?" and will answer that question.  I'm sure you have heard of saving 10% of every paycheck and put it into long-term saings.  This is the most important concept in investing and savings.  Yet for most people it is impossible to find space in their budgets.  The only way for many people that this works is to put the money directly into a CD (certificate of deposit - a type of bank account).  This way it is not at all tempting to spend it when you get it.  There is a way to get this done automaticaly, yet I don't really know how (I am 15).  \n\nAll of this is explained in the book "The Wealthy Barber" by David Chilton.  If you were to only read one book in your life, this one is the one you should read.  It goes through basic savings and investment skills while putting it in a way that is entertaining and simple to understand.  Everyone should read this book and everyone can accieve a happy retirement if they follow the advice put forth by Dave.  It is amazing how simple the suggestions that he says are to implement.