Read it alongside
The Raiz alternative for users
who want decision-level guidance
Get The 10-Second Money Method to make better financial decisions.
Raiz makes investing effortless for Australians. Set it up once, the round-ups handle the rest.
The 10-Second Money Method is a 25-page decision guide that runs before each individual purchase, the same purchases the round-ups are calculated from.
Raiz invests the spare change. The method changes how much spare change there is in the first place.
Raiz vs Decide Your Money: The comparison
If you are searching for a Raiz alternative or something similar to Raiz, this comparison covers the key differences between Raiz and Decide Your Money, what each does best, and which suits you. We compare format, focus, time investment, and approach side-by-side below.
What Raiz does brilliantly
Raiz built one of the most accessible entry points to investing in Australia. The round-up feature, automatic deposits, and pre-built portfolios remove the friction that stopped many Australians from ever starting. Hundreds of thousands of users started investing through Raiz because the platform made it possible to participate without learning the entire industry first.
For people who want an automated, low-friction entry into investing, Raiz delivers. The question is what decides the underlying purchases that fuel the round-ups.
What Decide Your Money adds on top
Most people don't have a money problem. They have a decision problem. Hundreds of small decisions, every week, made on autopilot. That is what drains the account by the end of the month, not the salary.
Raiz is about strategy. The 10-Second Money Method is about the decision before any purchase.
Every purchase is a decision. Every subscription is a decision. Every "yes" at the checkout is a decision. The method is what runs at that exact moment.
“For 25 years I helped companies design the tricks that push you to spend. I won 14 international awards in design, technology and marketing along the way. One day I said enough. Now on your side, everything I learned is yours, condensed into 25 pages and five rules.”
— Enrico Scha, Founder of Decide Your Money
Side by side
| Feature | Raiz | Decide Your Money |
|---|---|---|
| Format | Subscription investing app | 25-page PDF guide |
| Focus | Investing spare change after spending | The decision before each purchase |
| Time investment | Set up once, automatic from then on | One hour to read, then run forever |
| Author background | Investment app product team | 25 years helping companies design the tricks that push you to spend |
| What you get | Round-up automation, pre-built portfolios | Five rules, Rate-It matrix, week-one action plan, 9-point bonus track, mobile cheat sheet |
| Tested across | Australian market | Three continents, 10 income levels, 15 years |
| Payment model | Recurring monthly subscription | One-time payment, 14-day money-back guarantee |
Which one is best for you?
Raiz is best for...
- Australians starting to invest with very small amounts
- People who want round-up automation tied to their bank
- First-time investors who prefer pre-built portfolios
- Anyone happy with monthly subscription fees on small balances
Decide Your Money is best for...
- People who reach the end of the month with nothing left
- People who want a method, not another app
- People who spend on autopilot and want to take back control
- People who want one hour, not weeks of reading
Many people use both. They solve different problems at different moments.
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 simple, proven 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.
The personal finance method that actually works.
Five rules. Plain language. No app required.
Switching from Raiz? Start with Rule 1, free.
Frequently asked questions
Can I use Raiz and the 10-Second Money Method together?+
Yes. They work at different moments. Raiz invests after you spend. The method decides what to spend in the first place.
Is the 10-Second Money Method an Australian-only product?+
No. The five rules work in any country. They were tested across three continents and 10 income levels over 15 years.
Will the method tell me whether to use Raiz or a different platform?+
The method is platform-neutral. It teaches the rules for evaluating any financial decision, including which investment platform to use.
How is the format different?+
Raiz is an app you connect to your bank. The method is a guide you read in an hour, then apply at every checkout.
How long is the guide?+
25 pages, about one hour to read. Includes a week-one action plan and a mobile cheat sheet.
What if it does not work for me?+
14-day money-back guarantee, no questions asked.
Is Decide Your Money a good alternative to Raiz?+
Yes, depending on what you need. Decide Your Money is a 25-page decision guide built around five rules and a 10-second filter applied at every purchase. Raiz works at a different moment in the spending process. Consider the pros and cons of each before choosing — many people use both.
What are the differences between Raiz and Decide Your Money?+
Three key differences. Format: Subscription investing app vs 25-page PDF guide. Focus: Investing spare change after spending vs The decision before each purchase. Time investment: Set up once, automatic from then on vs One hour to read, then run forever. The complete side-by-side comparison is in the table above.
Should I use Raiz or Decide Your Money?+
Many people use both, since they solve different problems at different moments. Use Raiz for what it does best. Use Decide Your Money as the 10-second decision filter at every purchase, instead of relying only on tracking, planning, or content tools.
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