Jody underscores the importance of consistency. Saving small amounts regularly, even if modest, develops financial discipline over time. Automation of savings, through direct transfers, ensures that individuals stick to their plans without relying on willpower alone. https://www.mediafire.com/file/xebw3jitnab0q9z/Jody+Benson+Sharp++Building+Confidence+in+Savings+and+Investment.docx/file