If you really want to save money, you've got to ___________.

Living on less than you make is foundational to effective personal finance and saving money. This principle means that your expenses must be lower than your income, allowing you to set aside a portion of your earnings for savings or investments. It promotes financial health by creating a surplus that can be used for emergencies, future purchases, or retirement savings.

By adhering to this principle, individuals can avoid debt accumulation, which can be a significant barrier to savings. When expenses exceed income, it often leads to borrowing, which incurs interest payments and reduces the ability to save. Conversely, living within your means fosters a discipline that not only helps in saving but also aids in reaching financial goals over time.

Other approaches, such as using a financial advisor or investing in a Roth IRA, can certainly enhance financial knowledge and strategies for savings, but they are secondary to the basic practice of living beneath one’s financial means. Flying economy class can reduce travel expenses, but it doesn't fundamentally address the overall principle of financial management and savings.