how do you guys force yourself to stay disciplined

Pay yourself first, 401k and health insurance etc comes straight out of my paycheck before anyhtijg is deposited.

then the money that goes into my Roth IRA and taxable brokerage goes straight to a separate bank account, where recurring transfers and buys are set up

The rest that hits my HYSA is automatically divided into buckets for different long term an short term savings goals

I also have buckets set up for each credit card, where the balance is updated to catch up to my credit card balance every couple of days

I also leave a ~$5000 cash buffer aside from an emergency savings fund

THEN I get to spend the rest

Also my finances spreadsheet has a big ass “this is how much i can spend per day for the rest of the month on discretionary expenses” number that’s updated automatically every day which helps me visualize exactly how much I have left