There are three kinds of money: new money, old money, and found money.  New money is money you’re going to receive in the future (your paycheck, inheritance, gain on a sale, etc.)  Old money is money that you already have saved and invested.  Found money is money that you are wasting with poor cash flow habits.  This is overpaying for something, not getting interest on your checking account balance, etc.).  Found money you have direct control over.  This is influenced by something you don’t want to change - your spending habits.

Besides the money you may be overspending to satisfy your tastes and preferences (realizing that there is no way you are going to give up on that new SUV you’ve had your eye on merely to save for your retirement or bring lunch from home to save money, etc. – your not alone - no one wants to do these).  Hopefully though, the amount of money slipping through the cracks of your financial system is not all that significant.  One thing you probably could do though, as mentioned, is earn interest on your checking account balance, if you keep one.  Especially if you have a cash reserve built up for an emergency.