Hello @kyoba. I appreciate your support. You are correct that you don't need a lot of money to start saving. The Club taught me that at the beginning of my journey. I was skeptical until I followed the 365-Penny a Day Plan. Also, as you say, I met the most awesome Hivers during this time.

I hope you reach all your goals in 2025. Remember, as the Club tells us "slow and steady". It's ingrained in me now.

Take care.
!LADY