The Personal Finance Podcast

13 Personal Finance Cheat Codes That Can Change Your Life

13 snips
Oct 13, 2025
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ADVICE

Automate Your Finances Completely

  • Automate all recurring financial flows so transactions happen without relying on willpower.
  • Run a “default month” where 100% of your money moves automatically to test your system.
ADVICE

Invest In High-Leverage Skills

  • Prioritize learning high-leverage income skills like sales, negotiation, and AI tools instead of obsessing over pennies.
  • When income rises, apply the 50-50 rule: put half toward wealth building and half to lifestyle.
ADVICE

Treat Savings Rate Like A Game

  • Track your savings rate and gamify raising it until you hit at least 20% of income into savings and investments.
  • Increase the rate gradually (e.g., +1% monthly) and boost it when you get raises or windfalls.
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