The Anti-Budget

The laziest effective budget ever made: automate your savings and bills on payday, then spend whatever remains, guilt-free.

Aim past the 15% floor — here 20% goes to Growth and 50% covers Operations automatically, so the remaining 30% is genuinely yours. No categories. No spreadsheet columns. No app shaming you for buying a friend lunch.

It works because every important dollar is handled before you wake up. You've paid your future self first — now enjoy the present.