Deliberate friction
Deliberately putting obstacles between you and a bad decision. It works better than discipline because it does not depend on how you feel that day.
In the chapter
So the plan does not depend on your willpower
From the same chapter
- Pay yourself firstSetting aside savings on payday, not from what is left at month end. Nothing is ever left: that is why the order is the whole rule.
- Scheduled transferAn automatic recurring move between your accounts. It turns an intention into a fact without spending willpower.
- Separate accountsKeeping day-to-day spending, the cushion and savings in different places. Seeing a balance that is not spendable stops you spending it.