You don’t have a money problem.
You’re on autopilot.
Enrico Scha spent 25 years helping companies design the tricks that push you to spend. Now everything he learned is yours.
Start with Rule 1, free.
Or Get the full method for $47 →
One-time payment. 14-day money-back guarantee.
The Problem
You earn well.
And somehow, at the end of the month,
it’s all gone.
It’s not your fault.
The apps, the ads, the checkout screens were designed by people like me.
Your raises disappear.
Income goes up. So does everything you spend on. The gap between earning more and having more never closes. That is not an accident.
You pay for things you forgot exist.
The average person forgets 30-40% of their recurring subscriptions. Companies count on your inertia. That is the business model.
You decide before you think.
Your brain has two modes: one that reacts and one that reasons. Every company selling to you designs for the reactive one. 10 seconds of pause activates the other.
“The system does not need you to make one big mistake.
It needs you to make hundreds of small ones without noticing.”— Enrico Scha, Founder of Decide Your Money
The 10-Second Money Method™
Five rules. One system.
Take control of your purchases.
A method so simple it takes 10 seconds. You will stop buying things you regret and start spending only on what genuinely matters to you.
Spend less every month without giving up anything you love.
You will find out exactly where your money is going and keep only what makes you happy. Most people save hundreds a month and do not miss a thing.
Save more than you ever thought you could.
You will build real savings month after month, even if you have never been able to save before. It happens gradually, and you will barely notice the difference in your day-to-day life.
Make your money work for your future.
You will learn a passive index approach that historically beats most active investors. No finance knowledge needed. No stock picking. No guessing. Just a few minutes a month.
Stop losing money without realising it.
You will see the seven traps designed to take your money. Once you spot them, you will never fall for them again.
The full method is inside the guide.
Proof
Tested over 15 years.
On real money.
In real life.
Over 15 years, starting from scratch in a new country, these five rules were tested across five continents and three different income levels.
The result: the starting capital multiplied 50 times. Not from a secret investment. From better decisions, consistently.
15 years
of real-world testing across five continents.
50x
the starting capital multiplied using these exact five rules.
5,000+ hrs
of personal finance research, one hour a day for over 15 years.
For 25 years I designed checkout flows, push notifications and onboarding screens for banks, food apps and streaming services across five continents.
The work won 14 industry awards. It also helped those companies quietly extract more money from people like you.
Eventually I got uncomfortable. I couldn’t keep doing it. The 10-Second Money Method is the override I now use every day.
— Enrico Scha
The Tricks
Tricks the companies
are using on you right now.
The method teaches you to spot all of them.
For 25 years I worked at companies that designed these patterns into apps you use every day. Here are 6 of the most common ones. Rule 5 of the method teaches you to spot them in 10 seconds.
01. Fake countdown timers.
The “14 minutes left” that resets when you reload.
02. Fake scarcity.
The “only 17 spots left” where the number never actually changes.
03. Fake price anchors.
The “$1000 crossed out next to $95.” The product was never $1000.
04. Confirm-shaming.
Buttons like “No thanks, I prefer to keep losing money.”
05. Free trial bait.
Free trials that quietly turn into yearly charges on day 15.
06. Pre-checked extras.
Items added to your cart that you have to actively uncheck to remove.
The method exposes the full set of seven traps. Rule 5 teaches you to spot them in any app, any checkout, in under 10 seconds. The price is $47. If you genuinely cannot afford it, contact me and we will work something out. Paying full price is what keeps this site free of the tricks above.
The Guide
Everything you need to start today.
What is inside
- 01A 10-second filter that catches bad purchases before you make them
- 02A system to spend less every month without giving up anything you love
- 03A simple savings method you can start this week, even if you have never saved before
- 04A proven investment approach that outperforms almost every professional fund
- 05How to spot the traps designed to take your money without you noticing
- 06A one-page cheat sheet with the full method
- 07Your first week: one action per rule
Under 25 pages. Plain language. Works on any income level, in any country.
What this site will never do to you.
No fake countdown timers. No “only 17 left” messages. No $997 upsell waiting at the end. The entire method is built to fight manipulation. This site practises what it teaches.
Rule 1 of The 10-Second Money Method™ — free.
Enter your email and we’ll send it to you right now.
No spam. Unsubscribe anytime.
Get the full method — $47
Get instant access — $47Instant PDF · 14-day money-back guarantee · Works in AU, US, UK, CA.