Every personal finance article tells you the same thing: spend 50% on needs, 30% on wants, 20% on savings.

Sounds clean. Looks great on a spreadsheet. Doesn't work for most people.

Here's why: if you're a working professional earning a decent salary, your "needs" alone often eat 60-70% of your income — rent, EMIs, groceries, transport. The math doesn't math.

What I teach instead:

1. Pay yourself first — Before bills, before groceries, move 10% to a separate account. Non-negotiable.

1. Kill the subscriptions you forgot about — The average person leaks thousands per year on unused subscriptions. Audit yours today.

1. Build a 3-month runway, not a 6-month one — 6 months feels impossible and people never start. 3 months is achievable and still life-changing.

1. Automate everything — If you have to "decide" to save each month, you won't. Set up auto-transfers on payday.

This is just Module 1 of my course. If you want the full system — budgeting, debt payoff, investing basics, and building long-term wealth — it's all inside Build Wealth Step-by-Step.

$29. One time. No subscriptions. No upsells.