Have you heard about 6 jars by Tony Robbins explained? FFA 10-20% (only invest), Long term goals 10%, Education 10%, Giving 5-10%, Fun 5-10%, Living expenses 40-60%,
So I pay 10% to myself first thing, after I get any funds.
And it really changed my life as well. The discipline takes the speed in 2 years 🤩🎊
The hardest part for me was to spend for fun activities, small rewards that makes my heart smiling, relaxing 💃🏼, not only work, work, work. Have fun as well 🎁
Solid. Simplicity is the way. It's also why I subscribe. Anyway, what about that super sneaky left over 0.1%? It reminds me of a story I was told in high school by a history teacher. Some study or grad student thing, sent out one cent checks to all kinds of people. One of them was Donald Trump, (this was in the 80s), and "he" cashed it. Most people did not, to my recollection.
I’m currently using the 0.1% as monthly choice. 33.34% to where the “immediate priority”. It reinforces the mindset that I’m in control of where I put my money.
Thanks, Redwood Bear! Appreciate the kind words — simplicity really is the secret.
And yes, that sneaky 0.1% says a lot. Even the smallest amounts matter. If Trump cashed a one-cent check, it shows that paying attention — even to pennies — is part of the mindset.
In correlation to this topic, I have an account with Wealthfront and they have an option to put your funds into categories. I find it convenient but can see how it can get a bit out of control. Is this a topic worth addressing? As you can see, this account category system is becoming "not so simplistic" for me. Thank you in advance.
Love this article. Thank you! I would be interested in deeper usage of commitment and personal accounts. Like food expenses or nappies and similar for kids. Is there such an article already perhaps?
Thank you! Great point — breaking down Commitments and Personal expenses (like food, nappies, etc.) definitely deserves its own guide. We’ll be publishing an article on that very soon! 🙌
This is powerful because it reframes money as a system, not a willpower problem. The idea that you only truly “own” what’s in your personal account is a mindset shift most people never make. What really stands out is how discipline early on creates optionality later - less stress, more flexibility, and eventually real freedom. Great breakdown and a strong reminder that consistency beats intensity every time
I like this. Any rules-based system to allow people the opportunity to put money away is good in my book. I'm a fan of envelopes (or buckets), which accomplishes a similar psychological shift in household budgeting. Good content!
Have you heard about 6 jars by Tony Robbins explained? FFA 10-20% (only invest), Long term goals 10%, Education 10%, Giving 5-10%, Fun 5-10%, Living expenses 40-60%,
So I pay 10% to myself first thing, after I get any funds.
And it really changed my life as well. The discipline takes the speed in 2 years 🤩🎊
The hardest part for me was to spend for fun activities, small rewards that makes my heart smiling, relaxing 💃🏼, not only work, work, work. Have fun as well 🎁
Solid. Simplicity is the way. It's also why I subscribe. Anyway, what about that super sneaky left over 0.1%? It reminds me of a story I was told in high school by a history teacher. Some study or grad student thing, sent out one cent checks to all kinds of people. One of them was Donald Trump, (this was in the 80s), and "he" cashed it. Most people did not, to my recollection.
I’m currently using the 0.1% as monthly choice. 33.34% to where the “immediate priority”. It reinforces the mindset that I’m in control of where I put my money.
Thanks, Redwood Bear! Appreciate the kind words — simplicity really is the secret.
And yes, that sneaky 0.1% says a lot. Even the smallest amounts matter. If Trump cashed a one-cent check, it shows that paying attention — even to pennies — is part of the mindset.
Maybe that 0.1% is just the “fun buffer.”
How would you use it?
In correlation to this topic, I have an account with Wealthfront and they have an option to put your funds into categories. I find it convenient but can see how it can get a bit out of control. Is this a topic worth addressing? As you can see, this account category system is becoming "not so simplistic" for me. Thank you in advance.
Love this article. Thank you! I would be interested in deeper usage of commitment and personal accounts. Like food expenses or nappies and similar for kids. Is there such an article already perhaps?
Thank you! Great point — breaking down Commitments and Personal expenses (like food, nappies, etc.) definitely deserves its own guide. We’ll be publishing an article on that very soon! 🙌
This is powerful because it reframes money as a system, not a willpower problem. The idea that you only truly “own” what’s in your personal account is a mindset shift most people never make. What really stands out is how discipline early on creates optionality later - less stress, more flexibility, and eventually real freedom. Great breakdown and a strong reminder that consistency beats intensity every time
I like this. Any rules-based system to allow people the opportunity to put money away is good in my book. I'm a fan of envelopes (or buckets), which accomplishes a similar psychological shift in household budgeting. Good content!
I love this post because it gives a simple system for a problem that can seem personally overwhelming.