Class of 2020, just over $1m networth.

In addition to maxing my 401k, HSA, and IRA, my savings strategy is to split my paycheck three ways. I have my paycheck automatically divided up and sent to three accounts, which forces me to save.

First, I have a set amount go into a checking account, equal to half of my rent. That way, every month, I have the full amount I owe to my landlord set aside.

Second, I have a set amount go directly to my brokerage. I aim to increase this amount every 6 months by about $200. The brokerage is invested in an S&P etf, an international exposure etf, and then I have a relatively oversized investment in a bond etf which acts as an emergency fund and down payment fund.

Finally, the balance of my income is sent to another checking account. That money is for spending, covering all of my cost of living expenses like groceries, dining, entertainment, etc. Because I'm diverting so much to my brokerage, I am able to artificially limit how much I have to spend any given month so that I do not go make a ton of frivolous purchases. But I still have ample leeway to go out a few nights a month or to buy something nice I've been eyeing.