Manage Your Money Like the 1% with the 75/10/15 Rule
A program designed to help you build wealth regardless of your income level by implementing the 75/10/15 rule for spending, saving, and investing. Join our community to share your progress and get support!
Program Modules
The 75% Spending Limit: Conscious Consumption
Learn to manage your spending by limiting it to 75% of your income, forcing you to find value and cheaper alternatives. Access our spending tracker template to get started!
Track Your Spending Habits - Weekly Challenge!
Daily 7xMonitor your spending daily for a week to understand where your money is going. Share your insights with the community!
Identify Cheaper Alternatives - Brainstorming Session
WeeklyFor each major spending category, find at least three cheaper alternatives and share your ideas in the discussion forum.
Value Assessment: The 'Is it Worth It?' Game
DailyBefore making a purchase, assess its value. Does it bring enough joy or productivity to justify the cost? Use our decision matrix tool!
The 10% Cushion Fund: Building a Financial Safety Net
Establish and maintain a cushion fund equal to 5 months of living expenses. Use a high-yield savings account to grow your savings faster. Pre-commit to a savings amount today!
Calculate Monthly Expenses - The Baseline
MonthlyDetermine your total monthly expenses, including rent, utilities, food, etc. Use our expense calculator tool!
Set Your Cushion Fund Goal - Visualization Board
MonthlyMultiply your monthly expenses by 5 to determine your cushion fund target. Create a visualization board to stay motivated!
Open a High-Yield Savings Account - Research Project
MonthlyResearch and open a high-yield savings account with a competitive interest rate. Share your findings with the community!
Set Up Automatic Transfers - Habit Builder
WeeklyAutomate 10% of each paycheck to be transferred into the High-Yield Savings Account until goal is met. Set a reminder to celebrate each transfer!
The 15% Investing Rule: Building Wealth for the Future
Invest at least 15% of your income in tax-advantaged accounts like Roth IRAs and 401(k)s. Focus on passively managed index funds or ETFs for diversification. Use our investment risk assessment to find the right funds for you!
Open a Roth IRA - The First Step to Financial Freedom
MonthlyOpen a Roth IRA account at a reputable brokerage like Fidelity, Schwab, or Vanguard. Watch our video tutorial for guidance.
Maximize Employer 401(k) Match - Free Money!
MonthlyContribute enough to your 401(k) to maximize any employer matching benefits. Calculate your potential earnings with our 401k calculator.
Invest in Index Funds/ETFs - Set it and Forget it
MonthlyInvest in passively managed index funds or ETFs that track the S&P 500. Join our webinar on index fund investing.
Quarterly Investment Review - Portfolio Check-up
MonthlyReview investment performance and rebalance portfolio if necessary. Share your portfolio's performance with the community.
What You'll Accomplish
- Understand and implement the 75/10/15 rule.
- Manage spending effectively by finding value and cheaper alternatives.
- Build a cushion fund for financial emergencies.
- Invest wisely in tax-advantaged accounts.
- Build wealth through asset ownership.
Full program access + updates