Automatically save 20% the moment you're paid. Live on the remaining 80%. No tracking. No categories. Savings happen before you can spend them.
People who hate budgeting but want consistent savings. Works best when paired with automation.
Set up an automatic transfer for 20% of every paycheck to a separate savings account — on payday.
Treat that savings account as untouchable for daily spending.
Live freely on the remaining 80%. No categories to track.
Increase the percentage as your income grows.