Frameworks

Automated Endurance Investing

Automate diversified investing and let time do the heavy lifting

Conscious Spending Plan

Direct take-home pay across four categories before spending it

$10-a-Day 100-Day Savings Challenge

Build a first $1,000 through one small daily commitment

10-Year Rich Life Bucket List

Turn a shared dream into a dated monthly savings target

65-20-15 Take-Home Pay Rule

Benchmark take-home pay across needs, fun, and your future

Average for Longer

Let durable consistency outperform short-lived brilliance

Circle the Wagons

Recognize a rare great holding and protect it from an unnecessary sale

DOLP Debt Payoff

Clear small balances first and roll each payment into the next

Endurance-First Investing

Earn ordinary returns for an unusually long time

Eyes-Wide-Open Buy-versus-Rent Decision

Compare total costs, opportunity cost, and lifestyle before choosing a home

Financial Danger Zone Reset

Stop cash leaks, create a buffer, and eliminate expensive debt

Financial Independence Spectrum

Treat every saved dollar as a small purchase of future choice

Five Percent Rent-or-Buy Rule

Estimate the rent that matches a home's unrecoverable ownership costs

Forced Savings Flywheel

Automate diversified investing before discretionary spending can absorb it

Georgette 5/20 Portfolio Rule

Cap single-asset and sector exposure to protect long-term wealth

Home Utility Test

Buy for affordable stability; rent for valuable flexibility

The 4% Financial Independence Guideline

Estimate financial independence at 25 times annual spending

The 75-15-10 Plan

Cap spending, invest first, and preserve a cash buffer

The Algebra of Wealth

Combine focus, discipline, diversification, and time to build security

The Self-Cleansing Index

Own the broad market so winners grow and failing companies fade automatically

The Simple Path to Wealth

Avoid debt, spend less than you earn, and invest the surplus

The Transformative-Idea Bubble Cycle

Separate a world-changing technology from the price paid to own it

Three-Lever Compounding Plan

Increase savings and runway before chasing exceptional returns

Tokens of Independence

Translate every saved dollar into future time you control

Two-Account Trust Model

Separate restricted impact funds from overhead and protect the promise absolutely.

Yours, Mine, and Ours Prenup Structure

Sort assets and liabilities into three agreed ownership buckets.

$30,000 Questions

Focus financial effort on the few decisions that move the most money

$30,000 Questions

Automate the few financial decisions that dwarf daily penny-pinching

Automatic Target-Date Investing

Automate diversified investing through one retirement-dated fund

Couples Financial Fire Drill

Make both partners able to run the household finances alone

Four-Stage Financial Foundations

Stabilize cash, clear costly debt, build a buffer, then invest

Joint Checking Hub

Route shared income through one hub while preserving personal spending money

Mortgage Acceleration Plan

Automate extra principal payments and verify where every dollar lands

One-Third Housing-Cost Rule

Keep mortgage and maintenance below one-third of income

Reasonable Over Rational

Choose sustainable money decisions over spreadsheet perfection

Room for Error

Build financial slack before conditions force a bad decision

Seven-Day Financial Challenge

Track every purchase for one week to expose unconscious spending

Slow Wealth System

Automate diversified investing and let time compound the result

Team Fund and Me Fund

Share household costs fairly while preserving personal autonomy

The 7% Cash-on-Cash Property Screen

Demand a minimum net cash return on invested property capital

The Autonomy Definition of Wealth

Convert unspent income into ownership of your future time

The Beer and Foam Valuation Model

Separate operating value from speculation embedded in a stock price

The Cash-Flow Wealth Number

Define wealth when recurring asset income exceeds expenses

The Debt Avalanche

Eliminate the highest-interest debt first while maintaining all minimums

The Leverage Stack

Multiply each unit of effort with labor, media, capital, and technology

The Negative Cash Conversion Cycle

Collect from customers before supplier payments fall due

The Technology Boom-Slump Cycle

Track how investment booms build capacity before new supply destroys returns

The Three-Part House Affordability Test

Check cash, carrying costs, and move-in costs before buying

Trust-but-Verify Business Practice

Keep relationships intact while independently checking every consequential agreement

Twenty-Punch Investment Filter

Act as if every investment consumes one of only twenty lifetime decisions

Automatic Three-Bucket Money System

Route income automatically to your future, safety, and dreams

Expectations Gap

Create freedom by keeping wants from outrunning resources

Fundamentals Over Hype Check

Judge a venture by its economic engine, not its awards or press

Home Purchase Motive Test

Separate the lifestyle case for a home from the investment case

Impatiently Patient Investing

Act consistently now while letting market ownership compound

Only-Person Purchase Test

Remove the audience and see whether the purchase still serves you

Paper Spending Gut Check

Compare recent spending with income before lifestyle drains assets

PERMA Financial Goal Filter

Test financial goals against the life they are meant to support

Smart Rabbit Resilience Plan

Build location, financial, and knowledge options before a crisis removes them

Subscription Shutdown Sweep

Cancel forgotten renewals and redirect the cash automatically

The Coast FIRE Backward Plan

Build a retirement base early, then let compounding carry the remaining target

The Financial Danger Zone Reset

Stop the bleed, build a buffer, and clear costly debt

Time-Horizon Asset Matching

Match volatile assets to long horizons and stable assets to near-term needs

Automatic 15% Wealth Protocol

Route part of every paycheck into low-cost diversified assets

Core-and-Sandbox Crypto Allocation

Protect the core, avoid leverage and confine speculation to a small sandbox

Drawdown Dollar-Cost Averaging

Invest a fixed amount repeatedly so falling prices lower average entry cost

Enough Rule

Stop adding risk once the goal is already secured

Experience-First Spending Rule

Use disposable money to create memories instead of status contests.

Hidden Acquisition Cost Reframe

Count free customer benefits as acquisition spend before they become permanent losses

Lifestyle-First Homebuying Test

Buy a home for durable life value, not assumed investment returns

Scarce-Capital Acceptance Rule

Judge credible funding by whether it unlocks the vision, not valuation alone

The 30-to-90-Day Expense Baseline

Track every expense long enough to replace guesses with a usable baseline

The Cycle-Aware Defensive Allocation

Diversify away from expensive leaders before a forecast becomes a certainty

The Lifestyle Hold

Keep recurring costs stable when income rises

The Mortgage Rate Decision Band

Use the loan rate and comfort with debt to choose payoff or investing

Values-First Couples Money Plan

Agree on shared values before assigning money to goals

Wealth Gap Equation

Grow wealth by increasing sacrifice or reducing wants

Asymmetric Risk-Reward Rule

Cap the downside and demand enough upside to survive several wrong calls.

Controllables-First Investment Plan

Build a plan you can keep when markets move against you

Risk-Adjusted Mispricing Test

Bet only when your estimated odds beat the price by enough to justify the loss

The Conscious Spending Plan

Four numbers that run your money: fixed costs, savings, investments, guilt-free spending

The Debt Avalanche Crisis Plan

Stabilize essentials, cut costs, and attack the highest-rate debt first

AI Valuation Two-Path Test

Test whether AI spending creates new revenue or defensible cost savings

Efficient-Market Index Decision Rule

Buy the market unless you have a defensible informational edge

Follow-the-Money Distribution Audit

Trace where an intervention's money ultimately accumulates

Ten-Point Financial Plan Audit

Find neglected risks and opportunities across a complete financial life

The Barbell of Getting and Keeping Wealth

Pair ambitious upside with conservative survival capacity

The Boring Boomer Business Buyout

Buy a retiring owner's declining business with no money down, seller-financed against the business itself

The Investor Involvement Ladder

Choose adviser, passive, or active investing by cost, skill, and effort

Income Follows Assets

Want rental income? First a house. Want a brand deal? First a brand.

Owner-not-Earner Wealth Shift

Convert surplus earned income into assets that can grow independently

The 10-by-10 Cost Check

Verify a supplier quote through multiple independent comparisons

The Ownership Society Triangle

Broaden participation through homes, businesses, and shares

The Pay-Yourself-First Money System

Save and invest on payday, then spend only what remains

The Target Date Fund

One boring, automatically-diversified fund picked by your retirement year

Yours, Mine, and Ours

Define financial boundaries together before conflict chooses them for you

Define Your Rich Life

Less than 1% of people can describe their rich life — get specific down to the airline seat

Free To The 90%, Products For The Top 10%

The top 10% of any audience holds 60% of the budget — so give the rest genuine value for nothing and build products only for them.

Plant Seeds Before the Pivot

Build options early so a forced career ending does not become a financial crisis

The Boring Investor's Rules

Start as early as possible, invest aggressively every month, keep costs low

Cost-and-Upside Alignment Rule

Make beneficiaries bear their costs or share their upside

Everything Code Hurdle-Rate Test

Compare returns with the claimed loss of purchasing power, not with zero

Goods-Before-Money Affordability Test

Compare money growth with real output before diagnosing rising prices

Run the Numbers Before You Buy a House

A house isn't automatically an investment — factor phantom costs, opportunity cost, and the 10-year rule

Automate Your Money

Wire paycheck to savings, investments, and bills so you never have to decide again

Downside-Covered Upside Retention

Keep uncertain upside when present needs are already covered

Time-Horizon Risk Budgeting

Take only the risk your age, liquidity, and holding period can survive

The 5% Fun-Money Rule

Keep speculative bets like crypto to 1-5% of a well-diversified portfolio

Middle-Out Economics

Strengthen broad consumer demand to drive growth from the middle out

The Four Elements of Equity

Control, risk, profit, and sale — you can grant or contract each one separately