Schedule bills to pay early from a bills-only account. You're not buying convenience; you're buying margin. Name that gap your buffer, and let your breath return.

The thought behind it

The scale is deliberately tiny. Big resolutions collapse, while a single mechanic, installed once, keeps working without you. Under Money Mind the number is never the subject; the decision that produced it is. Read it again for “20”. That is the point at which observation turns into a decision.