I thought I was the only weird one doing this until I read an article by Dave Ramsay and confirmed its existence. I hardly come across people who are doing this in the same way I do, so if you are on the same wavelength with me, give me a high five. Traditional Saving Method If you go to a personal finance seminar, you'd tend to find advice that tells you to be frugal, save as much savings as possible to a large extent and then invest the rest. In that very order. When I was only starting out wanting to build up capital aggressively, I'd do the same in that order. Many people budget traditionally by keeping a tab on their day to day expenses and consolidating them with an apps to enable them to track them religiously each month knowing how much you've actually spent in that month......