+1 to index funds for saving, but you are already into a better off market when you look at optimizing savings.<p>Debt is where most people fall down, and most folks in the US don&#x27;t manage debt well. For example, there is a phenomena where people will take additional expensive debt (e.g. credit card) to keep their savings&#x2F;401k contributions high. Irrational from an ROI standpoint, but very common.<p>I like all of these startups that try to optimize your spending&#x2F;savings (e.g. Even, Acorn, Betterment), but I haven&#x27;t seen anyone doing this well on the debt side.