7 rules. Under 20 pages. No jargon.

A method for making better financial decisions. Written by someone who spent 25 years helping companies design the systems that make you spend. Now on your side.

$27 USD
Get the guide now

Full money-back guarantee. No questions asked.

What you get

The full guide

PDF, under 20 pages — 7 rules for financial decision-making.

One-page quick reference

All rules and thresholds on a single page, printable.

The method, in full

01

Save First. Always.

Pay yourself first on every inflow before lifestyle spending competes for the money.

30 to 40% of every payment goes to savings before anything else. Ramp: months 1 to 3 at 10%, months 4 to 6 at 20%, months 7 to 9 at 30%, months 10 to 12 at 40%.

02

Rate Your Happiness.

Separate what genuinely satisfies you from what you keep paying for out of habit.

Score every regular expense from 1 to 10. Cut anything below 6. Anything below 4: cancel it this week.

03

One Decision at a Time.

Stop bundling purchases mentally so one excuse pays for three mistakes.

Evaluate every purchase alone. No mental accounting. Ask: if this were the only decision I make today, does it still make sense?

04

Simple Rules Beat Willpower.

Decide thresholds in advance so you are not negotiating with yourself at checkout.

Decide in advance. The Discount Rule: only buy if 30% or more off and you actually need it. The Wait Rule: wait 3 days before any purchase over 1% of monthly income. The Car Rule: if repair costs more than 10 to 15% of car value, sell the car.

05

Risk vs. Real Opportunity.

See the long-term ceiling so small, scary numbers stop distorting big decisions.

Know the ceiling. $10,000 at 10.5% annual return becomes $27,141 in 10 years, $73,662 in 20 years, $199,845 in 30 years.

06

Invest Simply. Invest Always.

Use a broad index, automate, and let time do the heavy lifting.

20% into a broad index fund, every month, automatically. Dollar Cost Averaging. 98% of fund managers cannot beat the S&P 500 long term.

07

Avoid the Traps.

Know the product patterns designed to extract money with minimal friction.

Six traps designed to take your money: instalments, credit card debt, consumer credit, automatic subscriptions, Buy Now Pay Later, existing card debt.

This is for you if...

You earn enough but end the month wondering where it went

You want a method, not a motivation speech

You are done making the same financial mistakes on autopilot

100% money-back guarantee

Buy the guide. Read it. Apply one rule. If it does not change how you see a single financial decision, email us at hello@decideyourmoney.com and we will refund you in full. No form. No waiting. No questions.

Questions

Get the guide — $27 USD

Get the guide — $27 USD

Full money-back guarantee. Instant PDF delivery.