One nudge
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Save a little first
When money arrives, put a portion (10–20%) into savings before you spend anything. It compounds over time.
Track what you spend
Knowing where your money goes is the foundation of everything else. You can't improve what you don't see.
Set one goal, not five
Pick the single most important financial goal this year and protect it from everything else.
The 24-hour rule
Before any large purchase, wait 24 hours. The urge usually fades. Your money doesn't.