Module 1 

BJ Fogg’s Stanford research shows that breaking goals into daily targets (‘tiny habits’) makes them 3x more achievable. Morgan Housel’s studies prove wealth is built through consistency, not complexity. That’s why we start with your daily number—not a vague ‘get rich’ plan.

What if I told you that every day, you’re silently leaking money—even when you’re not spending a dime?

This exercise isn’t just about math. Seeing your daily costs will shock you—and jolt you into action. Most people never confront their true financial reality. Today, you will.

Why Daily Costs Matter:

Your BPFN system thrives on manageable daily targets. Breaking down expenses into daily numbers transforms abstract monthly bills into tangible, actionable goals. When you see "$30/day" instead of "$900/month," your brain grasps the urgency.

Actionable Steps:

1. List All Recurring Expenses
- Living Expenses (Need-to-Have): Rent/mortgage, utilities, loans, insurance, groceries.
- Lifestyle Expenses (Want-to-Have):Vacations, gym memberships, hobbies, dining out.

2. Convert to Daily Costs
- Monthly? Divide by 30.
- Yearly? Divide by 365.
- Example: A $4,000 vacation becomes $10.96/day ($4,000 ÷ 365).

Free Resource:

Stop scrolling. Download the template now and fill in your numbers. Freedom starts with awareness—and you’re 10 minutes away from yours.

[Download the Daily Expense Calculator Template](link.com) to automate conversions.

Now you know your daily number. Remember:

Through tiny battles today, freedom compounds for tomorrow. 

This isn’t a quote—it’s the math behind every student success story.

Your daily expense number is the foundation of financial freedom. Until you know this, you’re driving blindfolded. Do the exercise. The shock will fuel your motivation to earn more, save smarter, and live on your terms.

Armed with this number you are ready to move on to the next step.

Module 1