It's a more realistic approach, if you think about it. Most of us don't really like to figure out how so save every possible cent on this that and the other thing - we do it to achieve our goals. We are far more likely to fail in those goals if they rely on activities that go against our nature - like walking around the grocery store with a calculator in hand to ensure we don't exceed our weekly grocery budget. Our behaviors can adjust to circumstances, and if the circumstance is a slightly smaller paycheck that has money already moved to retirement savings, we have done ourselves a great favor.
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