I Will Teach You to Be Rich

Write a concrete description of your Rich Life.

List every account, balance, debt, interest rate, and due date.

Enable automatic payment of at least the minimum on every bill.

Create a prioritized debt-payoff plan.

Separate everyday spending from goal-based savings.

Calculate the four Conscious Spending Plan categories from take-home pay.

Schedule savings and investment transfers immediately after payday.

Check investment fees and diversification.

Select one Big Win to address in the next 90 days.

Review the system monthly instead of checking investments daily.