Keep more of your money
A practical guide to saving $5,000 to $10,000 in one year, without giving up the things you enjoy.
You don't have a spending problem so much as a seeing problem. Money leaves in small, ordinary amounts that never look worth thinking about, and by the end of the year they've added up to thousands. This book helps you find them, decide what's worth changing and keep the difference.
Where did that go?
You check your balance and it's lower than you expected. Nothing big happened. No new car, no vacation, no emergency. It just went.
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If a few of those sound familiar, the money isn't gone because you're bad with it. It's gone because nobody ever showed you where to look.
It isn't a willpower problem
Small purchases stop being small once they become habits. Subscriptions keep charging until you tell them to stop. Bills creep up because providers count on you not checking. Shopping apps are built to make buying easier than deciding not to buy.
None of it feels like a decision, and that's the whole problem. You can't fix what you can't see, and you can't see money that leaves in forty small pieces instead of one big one.
Most money advice tells you to cut back and try harder. That works for about two weeks. This book does something different: it shows you where the money is actually going, helps you keep what's worth it to you, and sets things up so the rest stops leaking on its own.
"This isn't about giving up what you love. It's about finding the money you waste without noticing."
For a long time I never looked at where my money went. It was coming in, and as long as something was left at the end of the month, I didn’t think about it.
Most of it went on branded clothes, more sneakers and random stuff for the house, things that felt worth it in the moment and that I could barely remember a few weeks later.
Then I started earning less, and I finally sat down with my statements. What I found was a long list of small purchases I’d stopped noticing, and together they added up to far more than I expected.
I didn’t cut everything. I kept the things I cared about, dropped the ones I didn’t and set up a few habits so the money stayed put. In less than a year it had turned around, and I was still doing most of what I enjoyed.
A while later two friends were in the same spot, so we went through the same steps together. It worked for them too.
This book is those steps, written down so you can follow them on your own.
Marcus, Hardwired
Value, not willpower
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What's inside
Sixteen sections, each one looking at a different part of your spending. Work through them in order the first time, use what applies to you and skip what doesn't.
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Look inside
Three real pages from the book. Select one to enlarge.About one section a week
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See how the numbers build
The book follows one example household from the first section to the last, so you can see exactly how the method works in real numbers. They take home $4,500 a month, rent, run one car, carry some credit card debt and start with a $5,000 target.
These are illustrative numbers from the book, not typical or guaranteed results. Your number depends mostly on what you spend now. People who spend more usually have more room to find savings, and someone who already spends carefully may find less.
This is for you if
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It's not for you if
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Keep more of your money
Find the money you lose without noticing and keep it, without giving up what you love.
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Questions
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Keep the spending that earns its place. Question the spending that doesn't. Measure the difference, then keep the money.
Get the book for $47