🏦 The 1% habit

The 1% tweak that builds wealth, a tool that cancels junk, and a $6,580 debt stat.

March 31, 2025

Happy Monday,
You’ve got the brains. The charm. The Spotify playlist.

Now let’s build the kind of money habits that scream main character energy.

Today’s lineup (click to jump to each section):

  • 📈 The 1% trick wealthy people love

  • 🧠 A myth that’s keeping your wallet skinny

  • 💳 A credit stat that made us spit our LaCroix

  • 🧰 A tool that stalks your money (in a good way)

Scroll on. Your money’s been waiting for you to get your act (kind of) together.


The 1% Rule — Small Moves, Stupid Gains

Being rich is mostly about being boring. Sorry.

The flashy stuff—trading options, launching your fourth side hustle, “investing” in your friend’s NFT? That’s not the move.

The 1% Rule is.

It’s this: Get 1% better every day. That’s it. Stack tiny wins. And watch them snowball.

Let’s math this out: 1% better daily for a year = 37x improvement.

Not 37%. Thirty-seven TIMES. Compounding is disgustingly powerful.

Try it with your money:

  • Round up your purchases and auto-save the change.

  • Shave $10 off your spending this week (cancel the random app you forgot you had).

  • Read 5 mins of something money-smart instead of doomscrolling.

You won’t feel rich tomorrow. But six months from now, you’ll look back and think, “Damn, I kinda have my life together.”

And honestly? That’s richer than most.

 Money Myth

“Discipline is everything.”

Nah. Design is.

Rich people don’t “try harder.” They automate, batch, and set up their life so they don’t need willpower. You think they remember to invest every month? Nope. Their system does it for them while they’re golfing or drinking weird smoothies.

💳 Money Stat

At 22% interest, that’s like... willingly lighting your paycheck on fire monthly. If you’re in this boat, don’t panic — just start chipping. Even $50 extra toward the principal helps. (Also: stop adding to it. We see you, Amazon.)

🛠️ Tool We Love

Copilot Money tracks your spending, predicts cash flow, and makes budgeting feel less like financial CrossFit. Think of it as your money’s accountability buddy—without the guilt trip.

✅ Your Challenge Today

Pick one money habit and do it 1% better.
Round up a purchase. Move $10. Unsubscribe from something dumb. Doesn’t matter. Just move.

That’s all, folks! Back tomorrow with more financial brain candy.

—Tommy,
Banking On You


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