I suggest you set up three accounts (bank card, WeChat and Alipay) to break the ratchet effect with compulsory savings.
First, take care of your three accounts:
The first account is compulsory to save 20%-30% of your income, which will not have much impact on your life, but the money saved for a long time is very considerable. Anyway, this part of the money is not used. If you can't save this standard, you either earn too little or spend too much;
The second account is your payroll account. Roughly calculate how much money you need each month, save as much as possible and try not to spend too much.
The third account is an emergency and investment account. The money in this account is used for emergency and investment.
In the early stage, we should think of a ratio and deposit money in the account strictly according to this ratio, especially try not to misappropriate the money from the first account. Try to force yourself to make more money, and don't always pay attention to your savings.
Of course, this savings account doesn't mean that you have to open an account in a bank. After all, as you know, the money in the bank will definitely shrink, and the annualized rate of return cannot be guaranteed to be 10%. However, at least you can choose a platform whose annualized rate of return can outperform the inflation rate (nearly 3%). It is recommended not to choose products with low returns but low basic risks such as stocks, money funds or bond funds.
Accumulate bit by bit, in the long run, you will find that only by being self-disciplined in consumption can you achieve certain financial freedom.