Behavioral Guardrails: Automate Good Financial Decisions in India
Psychological frameworks and practical systems to maintain disciplined financial behavior. Build strategic friction to prevent emotional money decisions and automate wealth building.
Behavioural Guardrails: Step-Ups, Two-Week Rule, Separate Apps
Most plans fail not on math but on behaviour. Add friction where you are weak and remove friction where you are strong.
Guardrails That Work
- Step up SIPs 8 to 12% every year to capture income growth.
- Two week rule for big money moves. Decisions look different with time.
- Separate apps: keep speculative trading away from long term investing.
- Disable easy credit on shopping apps. Friction saves you.
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