Memorise these. Automate them. Then ignore everything else.
Money advice is mostly noise. Five rules quietly do most of the work — pay yourself first, automate everything, separate spending pots, multiply income, and never insure with cashflow you don't have. Thirty-two pages, zero filler.
Move savings the day pay lands — before rent, before food, before anything.
Standing orders, GIROs, and split accounts so willpower never has to vote.
Spending, fixed bills, sinking funds, investments — one account each.
Income is the only lever with no ceiling. Treat it like a project.
Protect against the catastrophic, self-insure the rest. Don't double up.
By the end of 90 days you'll be saving without thinking, spending without guilt, and watching your investment pot grow on autopilot.
Because the marginal next rule earns you 2%. Most people break themselves trying to follow 30 rules and end up doing none. Five is the floor.
Yes. Every rule scales down. The pots get smaller, the percentages stay the same.
No. Budgeting tracks the past. These rules engineer the future — the money is already gone to the right places before you can spend it wrong.
About 45 minutes. Setting up the automations is another 30. Then it runs itself.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).