I'm from the UK and have little to no savings. What has helped me to save is using a Messenger bot called Plum. It looks at my income and outgoings and will save little bits of money when it thinks is the best time to take it out. It also knows exactly what amount to take out at the time as well and is super clever. I have managed to save just over £200 over the period of 5 months which may not seem like a lot, but it's the most I've saved and has helped me a lot.
Imagine how much I can save in 5 years if I don't take anything out and this is without having to lift a finger or even think about what I need to do in order to start saving. If America has anything like this, then I recommend you try it out.
If you want a good place to go to look into getting more for your financial future that's UK relevant, the /r/ukpersonalfinance reddit has a really amazing flowchart and they're really helpful.
That is definitely a great subreddit. I have also created my own site to help people in the UK save and manage their money through the use of apps and bots [0].
At first I thought it was weird that I built a shrine to his divine wisdom, but after praying to it for a few nights I realised there's nothing wrong with it at all... I just hope he doesn't ask for human sacrifices...
Currently, they don't take a cut, but are funded through seed funding and have a successful campaign on Seedrs. They do have plans to partner with different providers and help you save money on energy and bills where they will make affiliate revenue. If you want to know more, then I recommend you check out their website [0], I have also created a small comparison site that lets you see saving, management, banking and investment apps [1].
Imagine how much I can save in 5 years if I don't take anything out and this is without having to lift a finger or even think about what I need to do in order to start saving. If America has anything like this, then I recommend you try it out.