Darlene, never practiced discipline in savings before she met me.  I told her to place a priority on auto savings into a high yield savings account.  Using the same process of 401k funding, she was able to save for her down pmt on her home without going into debt.  She has already built a habit of savings so it is not a large task to continue saving for the next endeavor.  She is credit card free as well.  I am a good accountability partner.

Auto Savings  deposit a set amount 1 or 2 times a month

High Yeild Savings (online account)