Saving money isn’t just about crunching numbers—it’s about cracking your own code. I’ve worked with high earners who still feel like they’re one bill away from disaster, and folks on modest incomes who’ve quietly built impressive nest eggs. The difference? Not some magical spreadsheet formula. It’s mindset. It’s habits. It’s how our brains light up—or shut down—when money’s on the table and temptation’s calling.