You earn decently but your account never shows it
Money comes in. Money goes out. You cannot explain where.
Five rules.
34 pages.
No jargon.
Enri Scha spent 25 years leading design and product teams across banks, retailers and telcos. The 10-Second Money Method gives you back the moment to actually decide.
The 10-Second Money Method™.
14-day money-back guarantee. No questions asked.
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 creator
3 × 3
Proven on 3 continents, across 3 income levels.
15 years
of real-world testing in countries where the numbers matter.
50x
starting capital multiplied using these exact five rules.
25 years
leading the design and product teams that shaped how we interact with money every day.
5,000+ hrs
studying 30+ Nobel laureates and behavioral researchers.
The guide
What you get
The full method that helps you spend smarter, save more, and invest simply. Plain language. No jargon. No app required.
5 rules for better financial decisions
- 01Pause Before You Pay
- 02Rate It or Cut It
- 03Save First. Always.
- 04Invest Simply. Invest Always.
- 05Spot the 10 red flags before they cost you
Bonus tracks
- The Interactive GuideAn 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.
- 7-day action planOne action per day to prove the system works in week one.
- 12-month savings ramp trackerFrom 5% to 20%. Month by month. With the exact milestones to hit.
How it works
Three steps. No apps. No spreadsheets. No tracking every dollar.
01
Read the guide
60 minutes. One read. No homework.
02
Pause 10 seconds
Before every non-essential purchase. Let the careful-thinking part of your brain catch up with impulse.
03
Apply one rule at a time
Start with Rule 1. Each rule builds on the previous. Within 30 days, the system runs on autopilot.
Results
Real people. Real numbers. First month.
“I read every finance book out there and none of them stuck. This system did, because it’s not about spreadsheets or budgets.”
Hannah Tomas, 40
Singapore
“After applying the five rules, I managed to save 20% of my income so far. The pause rule alone saved me from $300 in impulse purchases in the first month.”
Virginia C., 51
UK
“I always thought I was too young to worry about investing. The guide made it so simple I started saving 10% a month and haven’t stopped since.”
Lucy T., 27
US
“I usually lose interest when reading about finance, but this was engaging and easy to follow. The storytelling made it effortless. I read it one evening, and by the next morning I’d already applied one of the methods and updated a subscription. It was reassuring to see that some of my own habits are good systems, and there were new ideas like the Buy It Twice Test I hadn’t considered before. After reading it, I noticed the patterns described in real life when a friend made a rushed decision and committed to recurring payments. I used to think I was good at making purchase decisions. Now I have an extra layer to consider.”
Hana Lim
IT, Sydney
This is for you if...
You buy things that feel urgent now and pointless next week
The discount. The upgrade. The thing in your cart. You know the pattern.
You want a system that runs while you live your life
Not another spreadsheet. Not another app. A filter that works in the background.
14-day money-back guarantee
Buy the guide. Read it. Apply one rule. If it does not change how you see a single financial decision, send us a refund request via our contact form and we will refund you in full. No waiting. No questions.
How much did you spend on autopilot last month?
The first rule works from day one.
Questions
Get the full method
34-page guide. Interactive cheat sheet personalised to your decisions, with first-week tracker. Rate-it decision table. Instant PDF delivery.
Get the full method for $97 →14-day money-back guarantee. Instant PDF delivery.