How to save money in 2026: 54 tips to grow your wealth

Saving money takes time and discipline — and it can be a challenge if you face competing financial obligations or unexpected costs. Your ability to save can also be impacted by external factors, including the rising cost of living and high interest rates on debt. The personal saving rate was 4.8% as of the third quarter of 2025. And with many Americans continuing to bear the brunt of inflation and higher costs, saving money could prove to be more challenging than it was just a few years ago. The good new ...