If you decide that you want to start saving money, BEWARE! Saving money can be extremely dangerous. The reason: if you start saving money, you might start having money. And when you start having money, you might start spending money. If you only save money to buy nice things, then you’ll likely need more money for more nice things. It’s a vicious cycle! And it’s a reason why many don’t really have any savings. Here’s a secret: if you want to save a lot of money, pay off your mortgage early.