Finance

Tools

• 2 sheets·Excel

  Emergency Fund

  Calculate the cushion that lets you sleep.

  First, measure what you actually spend. Then find out how many months you'd survive without income — and how far you are from the number that lets you relax.

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• Self-audit·PDF

  Behavior Audit

  Your money problem isn't a knowledge problem.

  Ten scoreable mirrors that reveal how you behave with money when no one's watching — and turn your worst score into a written rule that decides for you.

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• 1 rule·Excel

  Pay Yourself First

  Nothing's ever left at the end of the month. That's why you set it aside at the start.

  Three cells, one calculation, and the exact instruction to give your bank so saving stops depending on your willpower.

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