Erin Moriarity
@ErinTalksMoney · 416 k subscribers
💰
Fix Your Savings Rate in 7 Days with Erin
Find out what you're really saving, benchmark it against where you should be, and lock in a wealth-building system — one video and one concrete action per day.
📅 7 days🎯 12 missions🎬 5 videos by Erin✨ Free
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Most people have no idea what percentage of their income they actually save — and the ones who do are often measuring it wrong. In 7 days, guided by Erin Moriarity of Erin Talks Money, you'll calculate your real savings rate, compare it to where you should be for your age and income, and rebuild the way you think about saving so it actually leads to wealth. Each day: one video and one small, measurable action. By day 7, you'll have a target rate, an automated plan, and a savings log with a full week of momentum.
Your week at a glance
- Day 1🎬 Watch why your savings percentage is probably wrong · ✍️ Calculate your real savings rate — right now
- Day 2🎬 Benchmark how much you should have saved by now · 📓 Open your savings wins log
- Day 3✅ Set your target rate and put it on autopilot
- Day 4🎬 Learn to live like you have $2 million · ✍️ Write your rich-life short list
- Day 5🎬 Spot the wrong way to build wealth · 🔁 Log a savings win before the day ends
- Day 6🎬 Study why some people become millionaires · ✍️ Find the millionaire habit already hiding in your log
- Day 7🎯 Final challenge: commit to your new savings rate
Day by day, in detail
Day 1🎬 ✍️ Watch why your savings percentage is probably wrong +1⌄
✍️ Calculate your real savings rate — right now
✍️ Open your bank app and grab last month's numbers. Add up everything you actually kept: savings transfers, retirement contributions, extra debt payments. Divide by your income and write down the percentage. Then note: were you measuring against gross or take-home pay before this challenge — and does today's number surprise you?
Day 2🎬 📓 Benchmark how much you should have saved by now +1⌄
🎬 Benchmark how much you should have saved by now
📓 Open your savings wins log
📓 This log is your engine for the rest of the challenge. Every time you make a move that pushes your savings rate up — skipping a purchase, moving money to savings, cancelling a subscription, bumping a retirement contribution — come back and log it with a dollar amount. Small entries count. What gets tracked gets saved.
Day 3✅ Set your target rate and put it on autopilot⌄
✅ Set your target rate and put it on autopilot
- I compared my day-1 savings rate to the benchmarks for my age and income from Erin's videos
- I picked a target savings rate for the next 90 days — ambitious but survivable
- I set up (or increased) one automatic transfer to savings or retirement, scheduled for payday
- I logged at least one savings win today, with a dollar amount
Day 4🎬 ✍️ Learn to live like you have $2 million +1⌄
🎬 Learn to live like you have $2 million
✍️ Write your rich-life short list
✍️ List the 3 things that would genuinely make your life feel richer this month — be specific. Then list 2 expenses you keep paying that don't make the list. That's your trade: circle one expense to cut this week and one rich-life item to fund with the difference. Log the cut as a savings win.
Day 5🎬 🔁 Spot the wrong way to build wealth +1⌄
🎬 Spot the wrong way to build wealth
🔁 Log a savings win before the day ends
🔁 I made one deliberate move toward my target rate today and logged it with a dollar amount
Day 6🎬 ✍️ Study why some people become millionaires +1⌄
🎬 Study why some people become millionaires
✍️ Find the millionaire habit already hiding in your log
✍️ Read back through your savings wins log. Which type of win showed up most — cutting, automating, or just saying no? Pick the one habit from this week that, repeated for a year, would move your savings rate the most. Write it as a rule you'll keep after the challenge ends.
Day 7🎯 Final challenge: commit to your new savings rate⌄
🎯 Final challenge: commit to your new savings rate
🎯 Make your new savings rate official today: automate it, total your week, and declare your 90-day number.
Time to close the loop. Add up every win in your log — that's real money you kept this week that you wouldn't have before day 1. Then check that your automatic transfer matches your target rate, and adjust it if this week showed you can go higher. Post your proof with three numbers: your day-1 savings rate, your new target rate, and the total dollars you logged this week. That's not a plan anymore — that's a system. 💪
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