Your saving rate is calculated as the percentage of income you put towards saving and investment accounts each period. Less is not more.
The Anti-Budget is a slimmed down approach to budgeting that is not concerned with tracking every spending category. Instead, you take your saving rate off the top.
The primary objective of goal setting in this way is to be able to roll with things as they come in. It’s intentional saving because you know what the money is being saved for. By spreading it out over time, you reduce risk.
A forecast helps us think about the future and help prepare us for what to do if a certain situation strikes. We can catch a potential issue (maybe something we should be saving for now) early to help prepare us.
Budgeting comes down to your income minus expenses to get the remainder (if any). This remainder can then be used to pay off debt faster, save, or invest.