I get that. What works for me, and I tried to point out, is not taking $100 out of my income/savings that is funds for my absolute necessities. It's more so abo

I get that. What works for me, and I tried to point out, is not taking $100 out of my income/savings that is funds for my absolute necessities. It's more so about using the goal as motivation to temporarily increase my income. That extra income is already earmarked for the goal, so it doesn't really take away from necessities. Obviously, if you're at a deficit on the necessities it will be tempting to use the extra income for those things. That's a different conversation/problem however