The Money Decision Journal
Money fog is usually just unmade decisions. This is a five-line tool for closing them — the same one clients use in coaching. Name the decision, classify it, test whether it's reversible, pick a lens, decide and date it.
Print a copy per decision — or keep a stack for the weekly ritual. Ctrl+P (or Cmd+P) → "Save as PDF" is the download.
Sheet 1 — Before you decide
One decision per sheet. Fill it in pen — the slowness is the point.
"Should I ___?" — if you can't write it in a line, you haven't found the real decision yet.
Two-way door = reversible, cheaply undone → decide fast, learn by doing. One-way door = hard to undo → slow down.
Tired, rushed or angry decisions get revisited. Note it honestly — if the box ticked is a bad one, sleep on it.
Sheet 2 — On revisit day
This is where the journal compounds. Decision quality ≠ outcome quality — grade the process, not just the result.
Most money decisions turn out to be two-way doors wearing a scary costume.
Sheet 3 — The weekly ritual
15 minutes, Sunday. Same block every week — this is the habit the whole system stands on.
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