everyday economics, argued honestly.

the distance between financial advice and financial behaviour. we document behaviour.

money content is either shame or hustle. a collective can hold the boring, useful middle.

• 01real numbers, anonymised, dated, with the city attached.
• 02no product recommendations without disclosing the relationship.
• 03111-day tests: one changed habit, measured, reported either way.

members across salaries, cities and stages, plus a few people who do this professionally and are made to show their work.

• 01eleven members published a full month of spending with commentary.
• 02a 111-day test of quoting rates 30% higher — what actually happened.

money matters × giving collab: generosity is a budget line. what does it do to the rest of the spreadsheet?

1. answer the open question about your own numbers, honestly and privately if needed.
2. pick one money habit to test for 111 days.
3. report the result, including the part that embarrassed you.

• giving collab
• playbooks
• research