The money that never touches your hands is the easiest to save and the easiest to forget. Make the invisible visible first.

The thought behind it

Some things stay heavy because they have no name. This line supplies one, and the weight becomes something you can hold. Money Mind reads a balance as evidence of decisions rather than as a score, which is the harder thing to look at. “invisible” is doing the work: it is where the line stops describing you and starts asking something.