Write Your 5 Money & Investing Guardrails (Template Inside)
If your money + investing decisions always feel heavy, it’s usually a guardrail problem, not a strategy problem. Guardrails = pre‑decisions. ‘I’ve already decided what I will and won’t do with: - Cash - Debt - Deals - My time’ Here’s a simple template to write your 5 guardrails today. Copy/paste and fill in: 1️⃣ Cash Floor‘I keep at least $____ or ____ months of expenses in cash before I buy anything new.’ 2️⃣ Debt Line‘I do / do not use [which types?] debt for investing. My hard “no” is: ____________.’ 3️⃣ Capacity Check‘I will only start a new project/deal if the next ___ days at work/home are at or below a ___/10 stress level.’ 4️⃣ Deal Filter‘My deals need to be in [markets], [asset types/price range], and must have plan A and plan B. If I can’t clearly state both, I don’t do it.’ 5️⃣ Money Rhythm‘I have a ___‑minute money reset every [day/time] each week. I don’t skip it because I’m “busy.”’ You don’t have to get these perfect. You just need a first draft you can actually follow. 👉 If you’re willing, comment with ONE guardrail you’re adopting (or want to adopt). I’ll read through and, where it helps, give feedback or a tweak.