This is probably not the strongest strategy/plan. But any plan is better than none. I was just visiting my younger cousin and to use a meme, he actually has tears in his eyes 24/7 that there's not enough money and is afflicted by this bias of not being able to save. That's nonsense, of course. I recommended to him: The Richest Man in Babylon by G. C. Clarson as a first step and called a spade a spade: ETF savings plan, even with a small amount (time is leverage). He has probably forgotten it again and will never invest. Therefore, even a supposedly weak plan is a good plan. Weak is an exaggeration, but you know what I mean.
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