Peter Vander Wall applies James Clear's Atomic Habits to money: design financial systems that work on autopilot so you stop stressing about spending. When your habits handle it, you don't have to think about it every day.
Chapters
James Clear Atomic habits. He says we don't rise to the level of our goals, we fall to the level of our systems. The reality is, I've been sitting on this idea that so much of financial management is behavior based. It's not that, like, people don't know how to add and subtract. It's not that they can't work a spreadsheet. It's, in my opinion, that people don't want to do it in the first place. And so how can we design, you know, from a financial standpoint, a plan that would work for people whether they are really paying attention or not? You know, with the default being them not paying attention that they have enough money to spend and not feel guilty about? You know, I want to liberate people from the stress that they face on a daily basis.