I will just say that at this point in my life, making the "savings payment" every month from my post-tax salary is a relief and feel it is a sacred thing to see

I will just say that at this point in my life, making the "savings payment" every month from my post-tax salary is a relief and feel it is a sacred thing to see that money go into savings every month. It happened with getting lucky and being able to put a down payment on a reasonably priced apartment in a great area.