The boring, durable rules that quietly build financial security: spend less than you earn, pay yourself first, insure the catastrophes, and let time do the heavy lifting. No hustle required.
4 chapters · 19 rules
This is a calm, plain-spoken guide to the small habits that quietly compound into security. It is not a scheme to get rich, just the durable rules that tend to work, each one stated simply, reasoned honestly, and marked with the times it bends. The goal is to help you think about money less, not more.
For anyone who wants their money handled sensibly without turning it into a hobby or a source of dread. It suits beginners building their first habits and steadier hands who would like a plain checklist to argue with.
Added the investing chapter and the long-run rules, plus guidance on fees and defining enough. Rewrote the debt section after reader questions.
Initial publication — four chapters on spending, saving, and staying sane about money.
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