As jarring as it might seem, it comes down to making money faster. You probably make enough money, you just don't make it fast enough. As far as strategies however, I would say to split your money up into different buckets (and let these buckets be different accounts if possible) and only spend what you have allocated in that bucket. If you don't like the amount that you have in a particular bucket, that's when you figure out what ways you can make more money to add more money into each bucket. Also, if you can't automate it, when you get any form of payment, immediately shoot money over into an investment account, that way your money starts working for you. I would choose investing over saving (of course still have a savings) because investing you can borrow against, compounds over time and is a tool for wealth retention. Savings I feel like is just the extra money you have in case of emergencies.