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Money

Where the Money Goes: Budgeting That Sticks

A budget is a mirror, not a diet — the one-month x-ray, the 50/30/20 compass run by automation, the big levers that beat lattes, and the funds that end emergencies.

6 parts 20 min total Beginner friendly Updated Aug 2026
Read Part 1 free

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What you'll walk away with

The mirror reframe: why budgets fail like diets, and the no-judgment rule that keeps you looking.
The x-ray and the compass: one month of touched transactions, the groceries/delivery split, and 50/30/20 implemented by automation so the month self-enforces.
Levers over lattes: housing, transport, and food structure; the annual negotiation afternoon; the 24-hour rule.
The funds and the hard modes: divide-by-twelve sinking funds, emergency tiers in high-yield, baseline-month budgeting for variable income, yours-mine-ours for couples, and the 15-minute monthly review.

6 parts · 20 min

1
A Budget Is a Mirror, Not a Diet
3 min
3 min FREE
2
The One-Month X-Ray
3 min
3 min
3
The 50/30/20 Compass (and Honest Variants)
4 min
4 min
4
The Leaks and the Levers
3 min
3 min
5
Sinking Funds, and the Fund That Ends Emergencies
3 min
3 min
6
Variable Income, Couples, and Staying On
4 min
4 min
Bonus: one-page cheat sheet
Every part's key points, printable — included when you unlock

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