Yes, it's thanks to budgeting that I noticed savings were being cleaned out, and I needed to do something with it, setting aside funds was the easy part, finding a way to store it long term sent me down so many rabbit holes, stocks, ETFs, bitcoin, altcoins, tax efficient accounts lol FML, its a miracle I made it through and I get why so many people don't even want to deal with it

I don't keep a set figure budget, my credit cards cap is my budget, I use credit for most of my stuff but never spend more than I can service before the 55 days without interest and the rest I put to long term storage and a small emergency cash fund which I accept keeps getting devalued and I've marked as 0 in my head