Cashflow is paychecks minus panic. Margin is the same paychecks minus panic minus leaks. Plug one leak, let margin teach you steadiness you can return to.

The thought behind it

The maths was always available. The line simply refuses to leave the second number off the page. Money Mind reads a balance as evidence of decisions rather than as a score, which is the harder thing to look at. The line turns on “5” — remove that single word and what is left is advice you have already ignored.