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I’m a BIG fan of Gary Vaynerchuk further to quote him on this subject Moving $36,500 out of spending and leisure activity savings is just enough to hurt without making me feel impecunious. It's enough to force me to think about purchases, and to create a ration. It's enough to make me striving the extra mile to heap my investments strategically. and with my special bills coming in at $18,000/yr, it's the equivalent of a two-year emergency fund socked away for safe-keeping. What needs to change? Frankly, for much I'm doubtful it's even possible, but here are some ideas:

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