 and what's coming in, and save 1% more. Now, most people will say, 1%, what difference does that make? Well, it can make a big difference. Especially these small changes over a long period of time can compound in a really meaningful way and result in a heck of a lot of extra savings. So if you earn, let's just say $50,000 per year, saving 1% more, which is about $42 a month,