Set a minimum-balance alert and name it your floor. Panic drops when your feet find floor. Start the day on steady ground.

The thought behind it

Behaviour beats intention here. The line describes a lever, and levers do not care how motivated you feel. Money Mind reads a balance as evidence of decisions rather than as a score, which is the harder thing to look at. “8” is doing the work: it is where the line stops describing you and starts asking something.