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Very simply: consistent budgeting. We (my wife and I) go envelope-style and budget/plan or money every paycheck. I swear it's magic that turns money into more money.
It's also let us systematically pay off all our non-mortgage debt and save/invest a large amount over the last decade. Now we have enough that we don't worry about money anymore.
The single most important thing I've ever done for my finances was learning to budget so I could have a plan and manage my money on purpose.
Heard of YNAB? You need a budget.
Great for envelope budgeting!
Yup! I'm a fan and a current customer (have been with them over a decade)... except that it's kinda expensive now. For people new to it I'd recommend actualbudget instead and just do manual/semi-manual imports.
How is actual these days? Development was rocky in the early days of open source so I left for plaintextaccounting. Based on the discord seems to be waaay more vibrant now.
If we had good bank imports and more flexible/robust reporting, I may go back