Joshua has $9,000 sitting in a savings account. Has had it there for almost two years. He checks the balance every few weeks, feels responsible, closes the app, and goes about his day. His coworker Derek, same salary, same starting point, just crossed $16,000. Derek didn't get a raise. He didn't inherit anything. He just stopped letting his money sit still.

That one decision is worth more than most people realize. And most people never make it.