Savings strategies that actually work

Jul 27, 2026 · 22 min

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0:00It's always fun to get a little philosophical when you talk about budgeting because it is like at the heart of all money questions, I think.
0:07I agree.
0:08I feel we concentrate too much on the dollars and we forget there's a human being with feelings behind it.
0:16You're listening to LifeKit.
0:17I'm Marie El Segara, and that was certified financial planner Tanya P.
0:21Brown.
0:22When Tanya gives financial advice, she often comes back to an acronym, SWAN, S-W-A-N, meaning sleep well at night.
0:32Because she says the best money choice isn't necessarily the one that optimizes your savings or your future earning potential.
0:39It's the decision that makes you feel safe and it's the one that's aligned with your values.
0:45Keep that in mind as we have this conversation about savings buckets.
0:49The idea with savings buckets is that you separate your savings into distinct categories, prioritize between them, and set up rules to decide when you tap into each one.
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