Where did all your money go this month?
Stop overspending in 10 seconds.
Most of your money decisions happen before you even notice. Enri Scha spent 25 years leading design and product teams, studying how people make those decisions. He turned what he learned into 5 simple rules. The first one takes 10 seconds.
Start with Rule 1, free.
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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.
We make 95% of our money decisions in less than a second, before we think. That speed is what makes life feel easy. It is also what makes the money disappear.
Your raises disappear.
Our income goes up. So does everything we spend on. The gap between earning more and having more never closes. Most of us don’t notice the pattern until it has been happening for years.
You pay for things you forgot exist.
Most of us forget 30 to 40 percent of our recurring subscriptions. Once a payment is automatic, our brain stops tracking it. That is how a small monthly charge turns into hundreds of dollars a year you never decided to spend.
We decide before we think.
Our brains have two modes: one that reacts and one that reasons. Every purchase we make uses one of the two. 10 seconds of pause activates the other.
“The money doesn’t disappear in one big purchase. It disappears in the small ones your brain decides before you do.”
— Enri 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.
Your brain has predictable habits when money is involved, all documented in decades of behavioural research. Rule 5 names the 10 patterns, shows you how to spot them, and gives you the override for each.
The full method is inside the guide.
Proof
Tested for 15 years.
On real money.
In real life.
The same was happening to me. So I started testing what I knew about how we decide, on my own finances. For 15 years. Starting from scratch in two countries. Across three 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 three 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 led design and product teams across banks, retailers, telcos and tech platforms, on three continents. Along the way, the work won 14 international awards in design, technology and marketing.
What I kept seeing, across every product I worked on, was the same pattern: we decide with money in a way our brain isn’t built for. So I went to the research. Nobel laureate work on decision-making. Behavioural experiments. Decades of studies on why we spend the way we do. Then I started writing down what worked, on my own finances first, with real people after.
That became The 10-Second Money Method. Five rules. Thirty-four pages. Ten seconds at a time. Built from evidence, refined in real life.
— Enri Scha
The Guide
Everything you need to start today.
What is inside
- 01
THE 10-SECOND PAUSE
A 10-second filter that catches bad purchases before you make them
- 02
THE SPENDING X-RAY
A system to spend less every month without giving up anything you love
- 03
THE INVISIBLE SAVINGS RULE
A simple savings method you can start this week, even if you have never saved before
- 04
THE SET-AND-FORGET STRATEGY
A proven investment approach that outperforms almost every professional fund
- 05
SPOT THE 10 RED FLAGS BEFORE THEY COST YOU
The 10 biases your brain falls for when money is involved, named, explained, and broken down with a step-by-step override for each
- 06
THE INTERACTIVE GUIDE
An interactive cheat sheet personalised for you. All five rules in one place. Your first week tracked day by day, your decisions saved as you go. Unique to you.
- 07
THE TEN PRINCIPLES
Your first week: one action per rule
34 pages. Plain language. Works on any income level, in any country.
What you’ll find here.
One method. One price. No upgrades, no upsells, no ‘limited time’ countdowns.
If Rule 1 works for you, the full method costs $97, one time. If it doesn’t work for you, the 14-day money-back guarantee means you don’t pay.
Rule 1, free.
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Five rules. Thirty-four pages. One payment.
Get the full method — $97Instant PDF. Interactive cheat sheet personalised to you. 14-day money-back guarantee. Read it once, use it for life.