Almost everything written about managing money assumes you’ll keep paying attention. Track the spending. Review the budget. Stay disciplined.

You won’t. Nobody does. Attention runs out, and a system that needs it fails the month you’re busy, tired, or going through something.

This book builds an arrangement that works while you’re not looking at it. Six chapters, and the whole thing reduces to four accounts and three standing transfers.

You’ll find the one hour that tells you what you actually spend, as opposed to what you think you spend. Why automating a small amount beats intending to save a large one, every year, without exception. Why a starter buffer comes before debt payoff, and why skipping that step is the most common reason people fail. The honest answer on avalanche versus snowball, including the part where the arithmetic and the evidence disagree. Why checking your balance too often makes you poorer. And the order of operations that decides everything when money is short.

The aim is not to make you better at money. The aim is to make your money need less from you.

25 pages. Six chapters. Instant PDF download. Ends with a four-week setup plan.