Money That Sticks

By Nicholas Higgerson

Money That Sticks: A Practical Guide to Calm, Clear Finances
Systems, Not Willpower

Are you tired of starting over with your money every month? Do you feel guilty every time you swipe your card, or overwhelmed every time you open your banking app? You don't need another complicated budget-you need a system that sticks.

Money That Sticks is a step-by-step playbook for getting control of your money without endless spreadsheets or shame. Instead of relying on willpower, you'll learn how to set up rails that run automatically-so bills pay themselves, savings grow quietly, and debt finally starts to shrink.

Inside you'll find:

Your Money Snapshot - a 30-minute exercise that gives you instant clarity about where you stand.

The Anti-Budget - two quick decisions that let you spend freely without guilt.

Debt, Demystified - snowball vs. avalanche explained, plus scripts to lower your interest rates.

Emergency Funds That Actually Happen - simple transfers, windfall rules, and refill strategies.

Earn More on Purpose - raise scripts, side-income blueprints, and quick wins that compound.

Protect the Plan - insurance, identity security, and the one-page "Bus Packet" your family needs.

Investing Without the Noise - low-cost, boring strategies that actually work.

A 12-Month Game Plan - month-by-month steps so you always know what to do next.

With practical checklists, ready-to-use scripts, and plain-language explanations, this book makes money management less about discipline and more about design. Even if you've struggled before, these systems can help you pay yourself first, stop living paycheck to paycheck, and finally build a financial life that feels calm and sustainable.

Stop trying harder. Start building systems that last.

• Format: Paperback
• Language: English
• ISBN: B0FQ3YFT4P
• ISBN13: 9798264137075
• Release Date: September 2025
• Publisher: Independently Published
• Length: 98 Pages
• Weight: 0.31 lbs.
• Dimensions: 0.2" x 6.0" x 9.0"