I transfer money to my savings account then pretend it doesn't exist, and that strategy paid for a $4,000 European vacation

Westend61/Getty Images My savings strategy is simple: I transfer money out of my checking account into an online savings account with a higher rate of return — and then pretend it doesn't exist. I learned this strategy when I worked a full-time job and taxes, insurance, and retirement savings would come out of my paycheck before I even saw the money. Now, I've been able to fund trips abroad, cover expensive car repairs, and build a robust emergency fund by pretending I don't have any money.