Its something of recursive logic, but the more I've worked with my clients (and in my own life), the more I realize that if you have savings, you can save money in places you wouldn't be able to otherwise.

For example, we just changed security companies (both for my office and at home). If we were to prepay for the year, we'd save 5%. If we were to prepay the entire contract (3 years) we'd save 20%.

The classic example is buying a car, in cash, right there. Or offering to write a check for it, lower than sticker, telling them to take it or you'll be leaving.

The goal is this post is almost encouragement - for those struggling to get out of debt, there are additional, tangible benefits to being able to build nest eggs.