Write one page with these headings:
My current financial reality:
My wealth multiple today, and my target for year 1, 3 and 5:
My savings rate today, and the rate I commit to:
The noisy reference I notice most (Gupta ji, Instagram, or my children's friends), and the 10× goal that will dwarf it:
My biggest comfort trap:
My most repeated complaint:
My highest-value skill to build:
One thing that fails my Simplicity Test and must be removed:
One important thing that deserves my excellence:
My 90-day stability goal:
My 1-year money goal:
My 3-year transformation goal:
The person I must become:
Mansa (what I truly want my money to do):
Vacha (what I will say to my family about it):
Karmana (the automatic transfer I have set up, amount and date):
Sign it. Date it. Read it every week.
Your financial life changes when your repeated behavior changes.
Start there.