HBD is one of the best things we have, around here!
Whereas I typically have to take my liquid earnings out to apply to bills and life in general, around mid-year I started putting the non-whole dollar amounts into HBD savings every day... and now it's $125+ at the end of the year. It's not much, but I do think the key here is to do something every day, however small.
Absolutely. And the power of compounding too. If we let it sit, even small amounts, can add up!