The most powerful force in the universe is compound interest.

Don't focus on getting rich. Focus on getting your life right.

The Barefoot Steps create unstoppable financial progress:<ul><li>Set up basic accounts structure</li><li>Build Safety Money</li><li>Kill debt using Domino Strategy</li><li>Save house deposit automatically</li><li>Supercharge retirement savings</li><li>Invest simply and regularly</li></ul>Each step is simple but powerful. Complete one before moving to next. No complexity, no overwhelm—just steady progress toward freedom.

Barefoot Steps

The Three-Bucket System simplifies money management with:
<ul>
<li>BLOW bucket: Daily expenses and fun (60%)</li>
<li>GROW bucket: Long-term wealth building (20%)</li>
<li>MOJO bucket: Safety net and confidence (20%)</li>
</ul>
This system automates good decisions by directing money to specific purposes before spending. No budgeting required—just automatic transfers that ensure every dollar has a job.

The Three-Bucket System

Monthly financial date nights transform money management:
<ul>
<li>Choose a nice setting</li>
<li>Review progress together</li>
<li>Celebrate wins, no matter how small</li>
<li>Plan next steps as a team</li>
<li>Keep it positive and future-focused</li>
</ul>
This ritual turns financial planning from a chore into a shared adventure. Regular check-ins prevent problems and build partnership.

Date Night Reset

The Domino Strategy accelerates debt elimination through:<ul><li>Listing debts smallest to largest</li><li>Focusing extra money on smallest debt</li><li>Maintaining minimum payments on others</li><li>Rolling freed payment to next debt</li><li>Building psychological momentum</li></ul>This approach creates quick wins that fuel motivation. Each debt eliminated accelerates progress toward the next, creating unstoppable momentum.

Domino Strategy

Building Safety Money changes your relationship with saving:
<ul>
<li>Aim for three months' expenses minimum</li>
<li>Keep it in a high-interest online account</li>
<li>Don't call it emergency fund</li>
<li>Make it automatic with scheduled transfers</li>
<li>Watch stress decrease as balance grows</li>
</ul>
This psychological shift from emergency to safety transforms saving from a chore into a source of confidence and peace.

The Safety Money Mindset

Conscious Spending liberates you through structure:<ul><li>Set up automatic transfers</li><li>Use percentages not dollars</li><li>Allow guilt-free spending in categories</li><li>Focus on big picture not details</li><li>Create sustainable habits</li></ul>This approach frees mental energy while ensuring progress. When core priorities are handled automatically, daily spending decisions become simpler.

Conscious Spending

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** Reviewed and updated for the 2020-2021 financial year** This is the only money guide you'll ever need That's a bold claim, given there are already thousands of finance books on the shelves. So what makes this one different? Well, you won't be overwhelmed with a bunch of 'tips' … or a strict budget (that you won't follow). You'll get a step-by-step formula: open this account, then do this; call this person, and say this; invest money here, and not there. All with a glass of wine in your hand. This book will show you how to create an entire financial plan that is so simple you can sketch it on the back of a serviette … and you'll be able to manage your money in 10 minutes a week. You'll also get the skinny on: Saving up a six-figure house deposit in 20 months Doubling your income using the 'Trapeze Strategy' Saving $78,173 on your mortgage and wiping out 7 years of payments Finding a financial advisor who won't rip you off Handing your kids (or grandkids) a $140,000 cheque on their 21st birthday Why you don't need $1 million to retire … with the 'Donald Bradman Retirement Strategy' Sound too good to be true? It's not. This book is full of stories from everyday Aussies — single people, young families, empty nesters, retirees — who have applied the simple steps in this book and achieved amazing, life-changing results. And you're next.