There are many reasons why we don't save as much as we'd like, even if we earn enough to be able to.
Often life just gets in the way, and we don't have the time or headspace to think about whether this month whether we can save or not, and even if we can, how much. In addition, even when we want to save, sometimes the actual process of transferring money is a bit of a faff so we put it off until tomorrow.....but it is always tomorrow.
At Marygold we don't pretend to know what is best for our customers, we just give you easy-to-use tools that help you to nudge yourself. Our theory is that if you retain control, and you only get nudged to save when it makes sense to you, and we make it extremely easy to organise and transfer you money, then you will.