The Free Fall

Who you are

Money comes in and money goes out and you find out how it went when the statement lands. You don't stress about it in the moment, you don't say no to things, and you have had a genuinely good time — that part isn't nothing, and people who lecture you tend to skip it.

The trouble is that this only stays fun while nothing goes wrong. One car repair, one gap between jobs, one medical bill, and a relaxed relationship with money turns into a high-interest one very fast. The plan works right up until the month it doesn't.

You don't need a budget and you'd never keep one. What you need is one automatic transfer and a small buffer that exists whether or not you're paying attention, because paying attention is not the mode you operate in.

Keep the approach. Add a floor. Those two things are completely compatible, and the floor is what lets you keep doing this for another decade instead of another year.

You know it's you when…

• You find out what you spent when the statement arrives
• There are subscriptions you've forgotten you're paying for
• One unexpected bill would genuinely be a problem

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