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Anew

Goal

How to fix your money

Money is a health input, so it is scored on the same four dimensions as everything else. Cheapest rung first.

4 scored on impact, energy, cost and time — the same formula the whole site runs on. How the scoring works.

  1. Important

    01 Emergency fund

    2.67

    A cash cushion turns a crisis into an inconvenience — the single biggest reducer of money stress.

    Cost
    Not spent, just parked
    Time
    One hour, once
    Energy
    Automate, then don't touch
    Impact
    High

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  2. Important

    02 Kill high-interest debt

    2.29

    Debt over ~8% is a guaranteed loss — paying it off returns the rate, risk-free.

    Cost
    Free (saves money)
    Time
    One hour, once
    Energy
    Months of discipline
    Impact
    High

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  3. Important

    03 Automate your money

    2.25

    Willpower loses; automation wins.

    Cost
    Free
    Time
    One hour, once
    Energy
    Set and forget
    Impact
    Moderate

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  4. Nice to have

    04 Cook at home

    1.45

    The one lever that controls everything else you eat — it usually saves money, but it costs you 30–60 minutes a day, most days.

    Cost
    Saves money
    Time
    30–60 min/day
    Energy
    Plan, shop, cook, clean
    Impact
    High

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