<prompt> Human: Disclaimer: Throw away account because not even my mother gets to know my salary. Also, Im aware Im lazy and this might be maddening to people diligently saving and planning for the future. x200B;Can you guys suggest any tools or services that provide Microsaving type concepts but are scalable for higher incomes? x200B;A recent water-cooler conversation turned me into the idea of Microsavings. The concept of saving a small amount that is unnoticeable in the day to day, yet adds up to a measurable sum over time, is very intriguing to me. However, Im struggling to find a service that allows me to factor in my income and relative retirement goals into this rounding up the transaction idea. Little background on me; Im not a 1 but I make enough and have good enough spending control that I generally dont think about money from a day to day, or even month to month basis. This lack of focus leads me to have lazy saving habits which of course Im not super thrilled at once I look back. Im also a single father, have a demanding career, and constantly picking and choosing my stress and time battles. At the same time, I dont have enough liquid assets saved up where Im comfortable setting up larger reoccurring monthly transfers into my retirement accounts. Im still paying for two households alimony but have no debt aside from my mortgage. I solely manage my cash flow by watching a single credit cards spending. 4k meh, 6k frowny face, 2k woah sweet, which is the only thing I manually pay ever. On typical months, I could easily save 10-20 of what I spend, without noticing at all. I see a large number one month, and my big dumb brain somehow thinks to spend a little less the next mostly. As it is, I usually end up at tax season doing a single xfer from my saving account into a retirement account. Clearly not the best, but has keep the lights on thus far. Im fully aware that If I was less lazy on the subject and focused more on it, I could get to the auto transfer realm relatively quick. Im also fully aware that I know myself and lifes going to distract me in daysweeks from now Ill be back to my set and forget ways. Enter microsavings; allow me to do better without needing to think about it regularly, and at the same time not risk cash shortages on bad spending months or quarters :P, unexpected IRS notices, or any other times life kicks me in the purse.Base question still stands. Suggested services that might help me improve but still are in line with my situation? Bonus question: What have others in similar situations with similar mindsets done to change their habitsfocusattention? TIA and sorry for the stupidly long post .. I feel better though :P !  <response>: What is this garbage post even about? 