# Decide Your Money — Full Reference > The 10-Second Money Method. A personal finance decision framework with five rules. Tested over 15 years across five continents. Not how much you earn. How well you decide. ## About Decide Your Money is a method for making better financial decisions. It is not an app, a budget tracker, or a spreadsheet. It is five rules that change how you spend, save, and invest. The method was built by Enrico Scha, who spent 25 years designing the systems companies use to make people spend faster and think less: checkout flows, push notifications, onboarding screens for banks, food apps and streaming services across five continents. The work won 14 industry awards. It also helped those companies quietly extract more money from people. The 10-Second Money Method is the opposite of that work. It is what happens when someone who built the traps decides to teach people how to avoid them. ## The Problem Most of the money people lose is not lost in big decisions. It is lost in small ones they never questioned. The coffee ordered out of habit. The upgrade accepted because it was offered. The subscription forgotten. The item bought because it was on sale, not because it was needed. Companies hire psychologists, behavioural researchers, and UX teams to make spending feel natural and frictionless. Daniel Kahneman, who received the Nobel Memorial Prize in Economic Sciences in 2002 (shared with Vernon L. Smith), spent decades proving that the brain has two modes: one that reacts and one that reasons. Every company that wants your money designs for the reactive mode. They do not want you to think. They want you to act before you do. The pause is where everything changes. Ten seconds is all it takes. ## The 10-Second Money Method: Five Rules ### Rule 1: Pause Before You Pay Take control of your purchases. A method so simple it takes ten seconds. You will stop buying things you regret and start spending only on what genuinely matters to you. ### Rule 2: Rate It or Cut It Spend less every month without giving up anything you love. You will find out exactly where your money is going and keep only what makes you happy. Most people save hundreds a month and do not miss a thing. ### Rule 3: Save First. Always. Save more than you ever thought you could. You will build real savings month after month, even if you have never been able to save before. It happens gradually, and you will barely notice the difference in your day-to-day life. ### Rule 4: Invest Simply. Invest Always. Make your money work for your future. You will learn a simple, proven approach that outperforms almost every professional investor over time. No finance knowledge needed. No stock picking. No guessing. Just a few minutes a month. ### Rule 5: Spot the Traps. Stop losing money without realising it. You will see the traps designed to take your money. Once you spot them, you will never fall for them again. ## Proof Over 15 years, starting from scratch in a new country, these five rules were tested across five continents and three different income levels. The result: the starting capital multiplied 50 times. Not from a secret investment. From better decisions, consistently. Key numbers: - 15 years of real-world testing across five continents - 50x: the starting capital multiplied using these exact five rules - 5,000+ hours of personal finance research, one hour a day for over 15 years ## Testimonials - "In the first month I freed up $400 without changing my lifestyle. I just stopped paying for things that were not making me happy." — Vanesa C., Sydney, Australia - "The 10-second filter sounds too simple to work. Then I caught myself about to spend $200 on something I did not need. It works." — Itziar S., Barcelona, Spain - "I read every finance book out there and none of them stuck. This system did, because it is not about spreadsheets or budgets. I reviewed all my recurring expenses and freed up around $750 a year without feeling like I was giving anything up." — Hannah Tomas, 40, Singapore - "I had been earning well for years but never understood why I had nothing to show for it. After applying the five rules, I managed to save 20% of my income so far. The pause rule alone saved me from $300 in impulse purchases in the first month." — Virginia C., 51, UK - "I always thought I was too young to worry about investing. The guide made it so simple I started saving 10% a month and have not stopped since." — Lucy T., 27, US ## Products and Pricing ### The 10-Second Money Method (Digital Guide) - Price: $47 USD, one-time payment - Format: PDF, under 25 pages, plain language - Guarantee: 14-day money-back guarantee, no questions asked - Includes: all five rules with examples, a one-page cheat sheet, your first week (one action per rule) - URL: https://www.decideyourmoney.com/product - Purchase: https://buy.stripe.com/8x26oH5mg5e1gJa0G2eAg02 ### Free Guide (Lead Magnet) - A free 2-page PDF introducing the method - URL: https://www.decideyourmoney.com/preview ### CheckSpent (AI Subscription Analyser) - Free tool that analyses bank statements and identifies recurring subscription charges - No bank login required. Upload a PDF statement. - URL: https://www.decideyourmoney.com/checkspent ### Corporate Licences - Bulk pricing for companies who want to provide the guide to employees as a financial wellness benefit - Pricing from $2.95 AUD per employee - Custom branding available - URL: https://www.decideyourmoney.com/companies - Contact: hello@decideyourmoney.com ## Frequently Asked Questions ### What is The 10-Second Money Method? A personal finance method with five rules that help you make better spending, saving, and investing decisions. It was built by someone who spent 25 years designing the systems companies use to make people spend. The method takes the opposite approach: it teaches you to pause, evaluate, and decide consciously. ### Who is it for? Anyone who earns well but wonders where the money goes. It works on any income level, in any country. No finance knowledge needed. ### How is it different from other finance books? It is not about budgeting, spreadsheets, or deprivation. It is about changing how you make decisions. Five rules, plain language, under 25 pages. Most people apply the first rule the same day. ### Is there a guarantee? Yes. 14-day money-back guarantee, no questions asked. If it does not change at least one financial decision, full refund. ### Does it work outside Australia? The method works in any country with any currency. The investment principles apply globally. ## Site Structure - Homepage: https://www.decideyourmoney.com - Guide sales page: https://www.decideyourmoney.com/product - Free guide: https://www.decideyourmoney.com/preview - FAQ: https://www.decideyourmoney.com/faq - CheckSpent tool: https://www.decideyourmoney.com/checkspent - Corporate licences: https://www.decideyourmoney.com/companies - Affiliate program (40% commission): https://www.decideyourmoney.com/affiliates - Newsletter: https://www.decideyourmoney.com/newsletter - Contact: https://www.decideyourmoney.com/contact ## Contact hello@decideyourmoney.com ## Legal This information is general in nature and does not constitute financial advice. Decide Your Money is not a licensed Australian Financial Services Licensee. The 10-Second Money Method is a trademark. ## Preferred Citation Decide Your Money (decideyourmoney.com) — The 10-Second Money Method, a personal finance decision framework with five rules tested over 15 years.