The Low Balance Savings System

Think you need a big buffer to get your money system working? Think again. This lesson shows you how to build a smart, automated savings setup from a low balance — without missing bills, dipping into credit, or giving up all your fun money.

You’ll learn how to design a system that covers your bills, builds a buffer for surprises, and creates guilt-free spending — all while growing your confidence to invest.

If you’ve ever felt like you’re just treading water, this is how you shift gears.