What financial advice is beneficial for someone who treats saving as an afterthought?

The advice to "pay yourself first" is particularly beneficial for someone who tends to treat saving as an afterthought because it emphasizes the importance of prioritizing savings and investments before allocating funds for other expenses. This principle encourages individuals to set aside a specific amount of money for savings or investments as soon as they receive their income, rather than waiting until all other expenses have been paid.

By adopting this mindset, individuals can build a habit of saving consistently, ensuring that they are actively setting money aside for future needs, goals, or emergencies. This approach also helps to establish a financial foundation that supports long-term financial health, as it reinforces the idea that savings should be an essential part of one’s financial strategy rather than an activity done reluctantly at the end of the month.

In contrast, simply cutting unnecessary expenses or investing in stocks does not guarantee that savings will occur regularly, especially for someone who is less inclined to prioritize saving. Paying oneself last often leads to little or no money being saved, as expenses can easily take precedence, leaving individuals with little or nothing to save after bills and other expenditures.