Yesterday, we talked about how saving is the first step toward achieving financial independence. To become financially independent, you need to save a significant amount of money over time.

Starting small is crucial, much like beginning a diet. It’s unrealistic to aim to save $2,500 monthly if you only make $3,000. However, every little bit helps, so begin with a manageable goal. If you have any debt, prioritize paying that off first.

Next, open a savings account and contribute to it whenever possible. Some credit cards offer a feature that rounds up your purchases to the nearest dollar, depositing the difference into your savings account. For instance, if you spend $2.19, you’ll be charged $3.00, and $0.81 will go into your savings. You likely won’t notice the small amounts, but they can accumulate over time.

Redirect any extra income to your savings as well. Renting out an extra bedroom? Put that money in savings. Got a bonus or a raise? Add that to your savings too.

You might notice I’m not mentioning retirement accounts like 401(k)s. This is because, firstly, I don’t live or work in the U.S., so I’m not familiar with those systems. Secondly, I aim to be financially independent well before the age of 60, meaning I want access to my money sooner rather than later.

By starting small and staying consistent, your savings will grow. Consider automating part of your savings so that a portion is transferred as soon as you get paid. This way, you won’t miss the money, and you won’t have to think about it.

Even if you start with a small amount, ongoing effort will put you on the right path to financial independence.