20% off the paychecks directly to registered retirement account. Use a cashback credit card for everything, pay it off every paycheck, and watch carefully that the balance doesn’t exceed what you can pay off. This is key, never pay card interest. Nice hefty reward from that every year. For things that can’t be charged to the card, annualized payment from a high interest savings account which I replenish every paycheck just enough to ensure all the annual payments can be drawn when the times come, all tracked with a spreadsheet for each bill. Extra goes in there for emergency funds, avoids paying interest when unexpected costs come up.