One approach I have used are the services that do "intelligent savings" by either analyzing your spending and automatically transfer small amounts to a savings account or doing "roundups" that take your remaining change of a transaction (you spend $15.26 so your $0.74 is chsnge) from your debit card purchases (or bill pay) and transfer to savings. I use that ninja savings to buy crypto with since I don't notice it being saved and just notify me when it hits x amount. So when BTC is a good price, I withdraw back to my account and buy crypto. I have used digit.co and acorns.com, which are slightly different approaches to "intelligent savings". Good job on getting 1/3 the way there!