If you’re trying to pad a savings account (or multiple savings accounts), it can be daunting and overwhelming. The first thing you need to do is figure out how much you need to save.

Focus on the Emergency Fund

There are plenty of people who don't have an emergency fund. In fact, nearly 30 percent of Americans don't, according to a report by NeighborWorks America. The first step type of savings you should focus on is an emergency fund.

The textbook definition of an emergency fund is an amount equal to 3 to 6 months (more or less) of your expenses. In other words, the amount you save is a multiple of the amount you spend each month.

Map it Out

Savings is great, but don’t save for the sake of saving. Make sure you have outlined what you’re saving for, how much it costs and how long you’ll need to save to reach your goal. This part is relatively simple. Here’s how:

Let’s say you want to save $10,000 for a short film or a used car. Now you pick a time frame. Let’s say you want to have this saved up in two years. So you take $10,000 and divide it by 24 months (12 months x 2 years). Your monthly savings goal is $416.67.

Reflect on whether or not the savings number is realistic and make adjustments accordingly. If you can’t afford to save that much, change one of the variables. The variables are the amount you need to save or the time frame you’re saving over.

First Get to $1,000

If the thought of saving 6 months of your expenses is too daunting, break it up into smaller goals. The first goal is save your first $1,000. The most annoying part of this is being consistent with your savings and staying disciplined. But once you get that first grand in the bank, recognize that you’ve achieved your goal. Be proud of yourself and celebrate it. It’s like watching the ball go through the hoop for the first time. It can be motivating if you are willing to view it from that perspective.

Save Your Windfalls

Every time you get a windfall of cash, squirrel it away in your savings account. Putting away chunks of cash is the fastest way to make gains and hit your savings goals. So if you get a tax refund, a bonus or sweet, sweet birthday cash, opt to save it rather than spend it.

Save Your Raises

Saving your raises is the best way to incrementally increase your savings without really feeling it. If you get a raise, keep your lifestyle the same. In other words, when you get paid more, don’t increase your expenses, instead save the difference. This also helps with retirement contributions.

Don’t Get Too Focused on Paying Down Debt

Yes, having debt costs money because you have to pay interest, but not having a savings can also risk you getting into more debt. If you don’t have any money saved up for an emergency and something pops up, you’ll have to borrow more money. Debt becomes a revolving door.

Trick Yourself

If saving feels like deprivation, try to reframe it. If you’re into games or are competitive use that to your advantage. Try to save extra when you can and celebrate it.

A lot of motivation and success in reaching your goals isn’t a result of pure grit as much as a constant reframing of your perspective to allow you to continue on the right path.

Fuck Up The Equation

There's a straight forward equation that will help you figure out how much you can save. It's this: Income - Expenses = Money Left Over. And the left over money can be used for whatever you want. It can be to buy all the cheeseburgers you can or to put money into a college fund for your kids or to build an emergency fund -- or maybe a combination of all of those things.

One way to increase savings is to reduce expenses. If you make enough money that you have a lot left over after your bills, then this method can work for you. Stop living outside of your means and make your aioli at home every once in a while.

There a lot of people in the other camp. The other camp being, they're barely earning enough to pay their bills. If this is you, you have to figure out how to fuck up the equation. And by fuck up the equation, I mean increase earnings. And saying those words are mad simple. Trust that I understand the growing income inequality gap and the fact that some wealth in our world was built on the backs of free labor and slaves. Trust that I understand the injustice. But the reality here and now is that you must find a way to fuck up the equation or else your goals can't be met. You can't save or invest or get out of the feedback loop. So focus intensely on this. How can you get more skills to be more valuable to justify asking for more earnings or raising your fee? As much as there is so much outside of our control, recognize that we have incredible power to alter our lives. Fuck up the equation.