The collection
230 things everyone assumes you already know.
What the deposit really costs. What the minimum payment actually means. What a job offer is worth after the commute. Each one sits behind a single action — take the action, keep the fact. Nothing here expires, decays, or can be taken back, because this site refuses to punish a missed day.
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Nothing collected yet. Every one of these is behind a single action.
Becoming0 of 39
Block the season on a real calendar
One action away. Take it and this one opens.
Find My Direction →
Make the first ugly version
One action away. Take it and this one opens.
Start Something →
List every unfinished thing, then choose one
One action away. Take it and this one opens.
Finish Something →
Write your recovery rule before you need it
One action away. Take it and this one opens.
Build My Discipline →
Correct, then repeat the loop
One action away. Take it and this one opens.
Learn a Skill →
Ask five people directly
One action away. Take it and this one opens.
Make My First Dollar →
Deliver three times and time yourself
One action away. Take it and this one opens.
Build a Business →
Protect sleep and one daily walk for a week
One action away. Take it and this one opens.
Get My Life Together →
Set a countable target
One action away. Take it and this one opens.
Create My Body of Work →
Keep every commitment for two weeks
One action away. Take it and this one opens.
Lead Other People →
Teach it to two people, not one
One action away. Take it and this one opens.
Build Something That Lasts →
Listen for a full hour before advising
One action away. Take it and this one opens.
Help Someone Else Build →
Sit in silence for ten minutes, today
One action away. Take it and this one opens.
Build an Inner Life →
Write three gratitudes with names and details
One action away. Take it and this one opens.
Build an Inner Life →
Write the forgiveness letter you won't send
One action away. Take it and this one opens.
Build an Inner Life →
Take one real day of rest
One action away. Take it and this one opens.
Build an Inner Life →
Ask why five times and write the chain down
One action away. Take it and this one opens.
Become a Problem Solver →
Ask someone who has solved it, with a good question
One action away. Take it and this one opens.
Become a Problem Solver →
Set one goal so small it's almost embarrassing
One action away. Take it and this one opens.
Build Real Confidence →
Add to it weekly, and reread it on bad days
One action away. Take it and this one opens.
Build Real Confidence →
Write the NOT-doing list
One action away. Take it and this one opens.
Run a Real Project →
Send a weekly status note to someone
One action away. Take it and this one opens.
Run a Real Project →
Capture everything into one place, once
One action away. Take it and this one opens.
Get on Top of Your Workload →
Delegate one real thing with the full handshake
One action away. Take it and this one opens.
Get on Top of Your Workload →
Write an HTML page by hand and open it
One action away. Take it and this one opens.
Ship a Real Website →
Deploy it free and load it on your phone
One action away. Take it and this one opens.
Ship a Real Website →
Survey the real list, ignoring the hype list
One action away. Take it and this one opens.
Earn From Anywhere →
Autopsy the last time this habit died
One action away. Take it and this one opens.
Design the Habit, Not the Willpower →
Give it a time, a place, and an existing habit to hang on
One action away. Take it and this one opens.
Design the Habit, Not the Willpower →
Change one thing about the room
One action away. Take it and this one opens.
Design the Habit, Not the Willpower →
Pair it with something you actually want
One action away. Take it and this one opens.
Design the Habit, Not the Willpower →
Write the never-miss-twice rule before you need it
One action away. Take it and this one opens.
Design the Habit, Not the Willpower →
Read the actual numbers from the largest prospective study
One action away. Take it and this one opens.
Study What Near-Death Research Found →
Read what the AWARE-II resuscitation study actually found
One action away. Take it and this one opens.
Study What Near-Death Research Found →
Read the leading brain-based theories, side by side
One action away. Take it and this one opens.
Study What Near-Death Research Found →
Cut one status-driven habit for a month
One action away. Take it and this one opens.
Live Like You Already Know What Matters →
Ask for something slightly too big
One action away. Take it and this one opens.
Practice the Six Courages →
Do one act of service where no one knows it was you
One action away. Take it and this one opens.
Practice Oneness →
Have the conversation in person or on a call — not by text
One action away. Take it and this one opens.
Show Up for Your People →
Running a business0 of 52
Set up Stripe so you can take a card
One action away. Take it and this one opens.
Set Up the Business →
Understand what a bond actually does
One action away. Take it and this one opens.
Get Licensed, Insured & Bonded →
Price each one from cost, not from the competition
One action away. Take it and this one opens.
Build Your Top Three Offers →
Claim and finish your Google Business Profile
One action away. Take it and this one opens.
Get Found & Get Leads →
Learn your lien rights before you need them
One action away. Take it and this one opens.
Run the Job Right →
Settle the subcontractor-versus-employee question properly
One action away. Take it and this one opens.
Grow Past Yourself →
Calculate seller's discretionary earnings
One action away. Take it and this one opens.
Sell It or Step Back →
Learn why self-employment tax exists
One action away. Take it and this one opens.
The Money Side →
Find the four quarterly deadlines
One action away. Take it and this one opens.
The Money Side →
Start tracking mileage today
One action away. Take it and this one opens.
The Money Side →
Handle 1099s for anyone you paid
One action away. Take it and this one opens.
The Money Side →
Work out the fully loaded cost
One action away. Take it and this one opens.
Your First Employee →
Settle employee versus contractor in writing
One action away. Take it and this one opens.
Your First Employee →
Set up payroll before payday, not on it
One action away. Take it and this one opens.
Your First Employee →
Learn how to let someone go properly
One action away. Take it and this one opens.
Your First Employee →
Write down the five questions you'll always ask
One action away. Take it and this one opens.
Sell It Face to Face →
Practise saying your price and then stopping
One action away. Take it and this one opens.
Sell It Face to Face →
Write your answer to 'it's too expensive'
One action away. Take it and this one opens.
Sell It Face to Face →
Ask for the order, in one plain sentence
One action away. Take it and this one opens.
Sell It Face to Face →
Pick one thing, for one person, solving one problem
One action away. Take it and this one opens.
Sell It Online →
Price it, and understand what the platform takes
One action away. Take it and this one opens.
Sell It Online →
Write the sales page in the order people read it
One action away. Take it and this one opens.
Sell It Online →
Score your local presence honestly
One action away. Take it and this one opens.
Get Found by Search & AI →
Make your name, phone and address identical everywhere
One action away. Take it and this one opens.
Get Found by Search & AI →
Understand what changed
One action away. Take it and this one opens.
Get Found by Search & AI →
Write the five questions you get on every call
One action away. Take it and this one opens.
Get Found by Search & AI →
Write a briefing that goes above every prompt
One action away. Take it and this one opens.
Get Found by Search & AI →
Set the rule about what AI may never do
One action away. Take it and this one opens.
Get Found by Search & AI →
Write ten opinions you actually hold about your field
One action away. Take it and this one opens.
Say Something Worth Hearing →
Write the rant only you could write
One action away. Take it and this one opens.
Say Something Worth Hearing →
Reverse-engineer three channels that made it in your niche
One action away. Take it and this one opens.
Start the Channel Backwards →
Pick one format you could repeat fifty times
One action away. Take it and this one opens.
Start the Channel Backwards →
Assemble the minimum kit and stop
One action away. Take it and this one opens.
Start the Channel Backwards →
Ship through video ten without checking analytics
One action away. Take it and this one opens.
Start the Channel Backwards →
Learn the two numbers the homepage runs on
One action away. Take it and this one opens.
Package Before You Produce →
Sketch three thumbnails on paper before opening any app
One action away. Take it and this one opens.
Package Before You Produce →
Kill one idea in packaging, on purpose
One action away. Take it and this one opens.
Package Before You Produce →
Find the cliff in your three most recent videos
One action away. Take it and this one opens.
Keep Them Watching →
Rewrite your standard intro without the throat-clearing
One action away. Take it and this one opens.
Keep Them Watching →
Project your ads-only income honestly
One action away. Take it and this one opens.
Turn Views Into a Living →
Price yourself before anyone asks
One action away. Take it and this one opens.
Turn Views Into a Living →
Learn the four contract traps before you sign one
One action away. Take it and this one opens.
Turn Views Into a Living →
Map the pipeline and put hours on every stage
One action away. Take it and this one opens.
Build the Content Machine →
Run a paid test with two editors on the same footage
One action away. Take it and this one opens.
Build the Content Machine →
Build the buffer and set the floor
One action away. Take it and this one opens.
Build the Content Machine →
Write down the three things a buyer weighs you against
One action away. Take it and this one opens.
Be the Reference Point →
Work out what a discount actually costs you
One action away. Take it and this one opens.
Be the Reference Point →
Name who you are not for, and say it in public
One action away. Take it and this one opens.
Be the Reference Point →
Back the claim with three pieces of proof
One action away. Take it and this one opens.
Be the Reference Point →
Turn down one job that doesn't fit
One action away. Take it and this one opens.
Be the Reference Point →
Get the contract and certificate of insurance before you book anything
One action away. Take it and this one opens.
Run a Production or Event →
Connect a real payment processor and run a live test transaction
One action away. Take it and this one opens.
Build and Sell Something Online →
Adulting0 of 139
Work out what you thought you'd earn
One action away. Take it and this one opens.
What Your Paycheck Actually Says →
Find your actual take-home
One action away. Take it and this one opens.
What Your Paycheck Actually Says →
Find FICA and understand what it is
One action away. Take it and this one opens.
What Your Paycheck Actually Says →
Separate federal, state and local tax
One action away. Take it and this one opens.
What Your Paycheck Actually Says →
Find what you're paying for insurance
One action away. Take it and this one opens.
What Your Paycheck Actually Says →
Find the retirement line and the match
One action away. Take it and this one opens.
What Your Paycheck Actually Says →
Understand what your W-4 is doing
One action away. Take it and this one opens.
What Your Paycheck Actually Says →
Decode your whole stub, top to bottom
One action away. Take it and this one opens.
What Your Paycheck Actually Says →
Add up every single move-in cost
One action away. Take it and this one opens.
Getting Your Own Place →
Find out what income landlords require
One action away. Take it and this one opens.
Getting Your Own Place →
Price the furniture nobody budgets for
One action away. Take it and this one opens.
Getting Your Own Place →
Read an actual lease, all of it
One action away. Take it and this one opens.
Getting Your Own Place →
Learn your deposit rights in your state
One action away. Take it and this one opens.
Getting Your Own Place →
Get renters insurance and find out what it costs
One action away. Take it and this one opens.
Getting Your Own Place →
Photograph everything before you unpack
One action away. Take it and this one opens.
Getting Your Own Place →
Set up utilities and learn what they cost
One action away. Take it and this one opens.
Getting Your Own Place →
Enumerate every bill you'll have — all of them
One action away. Take it and this one opens.
Getting Your Own Place →
Find the three bills that don't arrive monthly
One action away. Take it and this one opens.
Getting Your Own Place →
Turn savings into a bill, not a leftover
One action away. Take it and this one opens.
Getting Your Own Place →
Diarise the notice date now
One action away. Take it and this one opens.
Getting Your Own Place →
Pull all three credit reports — free
One action away. Take it and this one opens.
Credit, Explained Properly →
Read every account on the report
One action away. Take it and this one opens.
Credit, Explained Properly →
Find your actual score, free
One action away. Take it and this one opens.
Credit, Explained Properly →
Learn the five factors and their weights
One action away. Take it and this one opens.
Credit, Explained Properly →
Work out your utilisation right now
One action away. Take it and this one opens.
Credit, Explained Properly →
Understand what a late payment really costs
One action away. Take it and this one opens.
Credit, Explained Properly →
Pick your route into a credit file
One action away. Take it and this one opens.
Credit, Explained Properly →
Set every payment to autopay the minimum
One action away. Take it and this one opens.
Credit, Explained Properly →
Learn the traps that look like help
One action away. Take it and this one opens.
Credit, Explained Properly →
Get an insurance quote before you buy
One action away. Take it and this one opens.
A Car That Doesn't Own You →
Price registration, tax and inspection
One action away. Take it and this one opens.
A Car That Doesn't Own You →
Budget maintenance honestly
One action away. Take it and this one opens.
A Car That Doesn't Own You →
Add it all up per month
One action away. Take it and this one opens.
A Car That Doesn't Own You →
Get pre-approved before you go anywhere near a dealer
One action away. Take it and this one opens.
A Car That Doesn't Own You →
Work out the total interest, not the payment
One action away. Take it and this one opens.
A Car That Doesn't Own You →
Separate the four negotiations
One action away. Take it and this one opens.
A Car That Doesn't Own You →
Learn what's in the finance office
One action away. Take it and this one opens.
A Car That Doesn't Own You →
Understand depreciation before you choose new or used
One action away. Take it and this one opens.
A Car That Doesn't Own You →
Learn premium versus deductible
One action away. Take it and this one opens.
Health Insurance Without Panic →
Learn copay versus coinsurance
One action away. Take it and this one opens.
Health Insurance Without Panic →
Find the out-of-pocket maximum — the number that matters
One action away. Take it and this one opens.
Health Insurance Without Panic →
Understand what network actually means
One action away. Take it and this one opens.
Health Insurance Without Panic →
Work out your true annual cost for two plans
One action away. Take it and this one opens.
Health Insurance Without Panic →
Check whether you're eligible for an HSA
One action away. Take it and this one opens.
Health Insurance Without Panic →
Know your coverage options if you have no job plan
One action away. Take it and this one opens.
Health Insurance Without Panic →
Learn what to do with a bill you can't pay
One action away. Take it and this one opens.
Health Insurance Without Panic →
Audit every recurring charge
One action away. Take it and this one opens.
Don't Get Wrecked →
Cancel three things today
One action away. Take it and this one opens.
Don't Get Wrecked →
Call and ask for a lower rate
One action away. Take it and this one opens.
Don't Get Wrecked →
Find your real number for one emergency
One action away. Take it and this one opens.
Don't Get Wrecked →
Open a separate account and automate something small
One action away. Take it and this one opens.
Don't Get Wrecked →
Learn what a high-yield savings account is
One action away. Take it and this one opens.
Don't Get Wrecked →
Learn the three scams built for your age group
One action away. Take it and this one opens.
Don't Get Wrecked →
Freeze your credit — it's free
One action away. Take it and this one opens.
Don't Get Wrecked →
Learn how to ask for help before it's a crisis
One action away. Take it and this one opens.
Don't Get Wrecked →
Run the two-investor comparison yourself
One action away. Take it and this one opens.
Future You Is a Real Person →
Learn the rule of 72
One action away. Take it and this one opens.
Future You Is a Real Person →
Find out what inflation does to cash
One action away. Take it and this one opens.
Future You Is a Real Person →
Take the full employer match first
One action away. Take it and this one opens.
Future You Is a Real Person →
Learn what a Roth IRA is and why it suits you now
One action away. Take it and this one opens.
Future You Is a Real Person →
Understand index funds in one sitting
One action away. Take it and this one opens.
Future You Is a Real Person →
Open the account and automate one contribution
One action away. Take it and this one opens.
Future You Is a Real Person →
Write the start date down and then leave it alone
One action away. Take it and this one opens.
Future You Is a Real Person →
Rewrite your CV around what you did, not where you were
One action away. Take it and this one opens.
Your First Real Job →
Prepare the questions you ask them
One action away. Take it and this one opens.
Your First Real Job →
Ask for more, once, calmly
One action away. Take it and this one opens.
Your First Real Job →
Enrol in benefits and take the full match
One action away. Take it and this one opens.
Your First Real Job →
Learn the difference between W-2 and 1099
One action away. Take it and this one opens.
Taxes Without Fear →
Learn what standard deduction actually means
One action away. Take it and this one opens.
Taxes Without Fear →
Find out what actually happens if you're late or wrong
One action away. Take it and this one opens.
Taxes Without Fear →
Find out whether you can file for free
One action away. Take it and this one opens.
Taxes Without Fear →
Check the credits people actually miss
One action away. Take it and this one opens.
Taxes Without Fear →
Find out what things really cost
One action away. Take it and this one opens.
Money Before Your First Paycheck →
Understand interest, in both directions
One action away. Take it and this one opens.
Money Before Your First Paycheck →
Find out what inflation did to a chocolate bar
One action away. Take it and this one opens.
Money Before Your First Paycheck →
Learn what a bank account actually is
One action away. Take it and this one opens.
Money Before Your First Paycheck →
Split every amount you receive, the day you receive it
One action away. Take it and this one opens.
Money Before Your First Paycheck →
Learn the three scams aimed at people your age
One action away. Take it and this one opens.
Money Before Your First Paycheck →
List every debt, with its interest rate
One action away. Take it and this one opens.
Get Out of Debt →
Separate the debts that behave differently
One action away. Take it and this one opens.
Get Out of Debt →
Choose one, and write down why
One action away. Take it and this one opens.
Get Out of Debt →
Ask for a lower rate — it works more often than you'd think
One action away. Take it and this one opens.
Get Out of Debt →
Learn what a nonprofit credit counsellor actually does
One action away. Take it and this one opens.
Get Out of Debt →
Calculate your net worth, honestly
One action away. Take it and this one opens.
Build Real Wealth →
Sort everything you own into assets and liabilities
One action away. Take it and this one opens.
Build Real Wealth →
Find your savings rate, which matters more than your income
One action away. Take it and this one opens.
Build Real Wealth →
Trace where your last raise went
One action away. Take it and this one opens.
Build Real Wealth →
Fill the accounts in the order that pays best
One action away. Take it and this one opens.
Build Real Wealth →
Automate everything, then stop looking
One action away. Take it and this one opens.
Build Real Wealth →
Add up every monthly cost of owning
One action away. Take it and this one opens.
Buy a Home Without Regret →
Price the closing costs before you fall in love with a house
One action away. Take it and this one opens.
Buy a Home Without Regret →
Understand PMI and how to get rid of it
One action away. Take it and this one opens.
Buy a Home Without Regret →
Look at an amortisation schedule and see where the money goes
One action away. Take it and this one opens.
Buy a Home Without Regret →
Get pre-approved, not pre-qualified
One action away. Take it and this one opens.
Buy a Home Without Regret →
Never skip the inspection, whatever the market is doing
One action away. Take it and this one opens.
Buy a Home Without Regret →
Check your escrow and appeal your assessment if it's wrong
One action away. Take it and this one opens.
Buy a Home Without Regret →
Look up the zoning and the minimum lot size
One action away. Take it and this one opens.
Own a Piece of Land →
Confirm there is legal access, not just a road
One action away. Take it and this one opens.
Own a Piece of Land →
Find out about water and septic before anything else
One action away. Take it and this one opens.
Own a Piece of Land →
Price bringing utilities to the parcel
One action away. Take it and this one opens.
Own a Piece of Land →
Find out whether the mineral rights come with it
One action away. Take it and this one opens.
Own a Piece of Land →
Get a survey and walk the actual boundaries
One action away. Take it and this one opens.
Own a Piece of Land →
Work out the annual carrying cost
One action away. Take it and this one opens.
Own a Piece of Land →
Learn five meals, not fifty recipes
One action away. Take it and this one opens.
Run Your Own Household →
Shop from a list, once a week
One action away. Take it and this one opens.
Run Your Own Household →
Learn what food dates actually mean
One action away. Take it and this one opens.
Run Your Own Household →
Build the fifteen-minute reset
One action away. Take it and this one opens.
Run Your Own Household →
Learn the five repairs everyone ends up doing
One action away. Take it and this one opens.
Run Your Own Household →
Search yourself like a stranger would
One action away. Take it and this one opens.
Your Digital Life Is Real Life →
Move to a password manager, starting with three accounts
One action away. Take it and this one opens.
Your Digital Life Is Real Life →
Write your posting rule before you need it
One action away. Take it and this one opens.
Your Digital Life Is Real Life →
Assemble the five documents into one place
One action away. Take it and this one opens.
Papers, Rights & Emergencies →
Learn what changed the day you turned 18
One action away. Take it and this one opens.
Papers, Rights & Emergencies →
Read one real contract before you sign anything else
One action away. Take it and this one opens.
Papers, Rights & Emergencies →
Learn the traffic stop script
One action away. Take it and this one opens.
Papers, Rights & Emergencies →
Know your rights as a renter and a worker
One action away. Take it and this one opens.
Papers, Rights & Emergencies →
Learn the first five minutes of a car crash
One action away. Take it and this one opens.
Papers, Rights & Emergencies →
Find your statement date, due date and grace period
One action away. Take it and this one opens.
Credit Cards, Handled →
Work out what your APR costs per $1,000, per month
One action away. Take it and this one opens.
Credit Cards, Handled →
Calculate what the minimum payment really means
One action away. Take it and this one opens.
Credit Cards, Handled →
Set autopay to the full statement balance
One action away. Take it and this one opens.
Credit Cards, Handled →
Learn the utilisation timing trick
One action away. Take it and this one opens.
Credit Cards, Handled →
Read your own agreement for the four traps
One action away. Take it and this one opens.
Credit Cards, Handled →
Learn what the card protects that a debit card doesn't
One action away. Take it and this one opens.
Credit Cards, Handled →
Decide your rewards position, once
One action away. Take it and this one opens.
Credit Cards, Handled →
Find out whether your employer matches, and to what percent
One action away. Take it and this one opens.
Investing, Inside Work and Out →
Find your vesting schedule and your leave-date rule
One action away. Take it and this one opens.
Investing, Inside Work and Out →
Check what your contributions are actually invested in
One action away. Take it and this one opens.
Investing, Inside Work and Out →
Learn the three account types in plain language
One action away. Take it and this one opens.
Investing, Inside Work and Out →
Understand what an index fund actually is
One action away. Take it and this one opens.
Investing, Inside Work and Out →
Automate the contribution and then stop watching
One action away. Take it and this one opens.
Investing, Inside Work and Out →
Write your funding order and pin it
One action away. Take it and this one opens.
Investing, Inside Work and Out →
Decide now what you'll do when it drops 30%
One action away. Take it and this one opens.
Investing, Inside Work and Out →
Map your own three governments
One action away. Take it and this one opens.
Know How the System Works →
Contact one representative about one real issue
One action away. Take it and this one opens.
Know How the System Works →
Move your driver's license or state ID forward
One action away. Take it and this one opens.
Know How the System Works →
List every big-ticket thing you use and who's actually named on it
One action away. Take it and this one opens.
Know What You Actually Own →
Learn what has to actually happen for a gift to become legally yours
One action away. Take it and this one opens.
Know What You Actually Own →
Total up what owning actually costs vs renting or leasing the same thing
One action away. Take it and this one opens.
Know What You Actually Own →
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