So when people think of saving money, they often picture the act of taking money from a chequing account and putting it into a savings account. But that is actually the absolute wrong way to do it for very real psychological reasons.

Studies show that people are much more likely to save when it is a passive thing that happens automatically from their paycheck and they don't have to think about where that money is being allocated. Not only are you liable to forget if you have to move the money, you're also liable to look at that amount of money and be like "damn, I don't want to put this into some boring savings account. I want to do something fun with it." Plus you feel the punch of having to see that money disappear whereas if it's automatically deducted from a paycheck, you never counted it in the first place.