Let’s be real: Getting rich off a single paycheck sounds like a stretch — but using your paycheck wisely to build wealth over time? Totally doable.

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Whether you’re just starting out or finally earning more than you spend, how you handle your income matters way more than how much you make.

According to Jason Pack, chief revenue officer at Freedom Debt Relief, most people fail to build wealth because they’re struggling to set a solid foundation for living within their means.

“If you can’t find ways to make a budget work consistently, you won’t have enough cash left over to save, let alone invest,” he said.

Here’s a breakdown of how to budget, save, and invest like someone who knows what they’re doing — even if you’re figuring it out as you go.

While most Americans have a monthly budget, experts say many still overspend.

“Automated clarity, not controlling your spending power, is in knowing where every dollar goes, and not having to monitor your spending,” said Dennis Shirshikov, professor of finance at City University of New York and head of growth and engineering at GrowthLimit.

The best budgets are not Excel spreadsheets that make you feel guilty — they’re systems that allow you to live your life without having to think about money constantly.

Shirshikov suggested trying reverse budgeting. Rather than minutely recording where every dollar goes, you commit upfront to your biggest priorities — investing, saving and paying down debt — and then spend what you have left.

“For as long as you invest 20% of each paycheck into wealth-building instead, you’ll never have to wonder if saving is something you can afford,” he said.

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Think in “buckets,” not just balances. According to Shirshikov, one of the most potent (yet underused) parts of a new system is the ability to bucket interest rates and allocate the balance accordingly.

“The average savings account is a number that is a flat, plain number that sits there.”

Smart savers employ a few psychological tricks to keep you from raiding it. He recommended creating distinct savings buckets for short-term needs (3-6 months of expenses), mid-term goals (a car, a house, a sabbatical), and long-term plans (retirement or financial independence).

His out-of-the-box tip? Personalize your savings accounts with nicknames such as “Quit My Job Fund” and ”Freedom Fund.”