Round up when paying debt like student loans, mortgage, car loan to pay it off earlier. I try to be aggressive as possible now, when I was in my early 20s I couldn’t always round up that much, but something is better than nothing. Maximize cash back rewards on credit cards. I keep track of which ones have 5% cash back that quarter and use it just for those purchases, and then my 2% card for everything else. I never pay interest on a credit card, and typically make about $1300-1500 each year in rewards. Leverage lessor known credit card benefits like extended warranty coverage. My hard drive died on my computer a few months ago and it was only 2 years old and outside manufacturers warranty, and Citi cut me a check for the original purchase price ($1300! ). Use apps like Rakuten, ibotta, GetUpside for additional cash rebates.