The discipline behind every article
Every figure published here traces back to the body that issued it, every source is named and verified before publication, every correction is public and dated, and on religious questions we issue no ruling of our own.
Read our editorial standardsThe method book
The method, in one little book The one-line calculation, the five beats of growth (recognize, honor, build, live, give), and verified expert voices, gathered in a little book you can read in one sitting. Leave your email and we'll send it to you at launch.
Open the book's pageThe Library
Contents, a curated reading list01. The method: spend without tracking
02. Saving for your goals
03. Deciding before you buy
04. Family & solidarity
Supporting Family Back Home Without Going Broke: the right amount, head held high
ReadRotating Savings Clubs: How a ROSCA Actually Works, and Where You Stand
ReadThe cheapest way to send money to Morocco: where the fees you cannot see are
ReadWhat a transfer to Morocco really costs: the quarterly index
Read
05. Money across two countries
Convertible Dirham Account: the Mistake That Traps Your Money in Morocco
ReadRepatriating the Money From a Property Sale in Morocco: the Transfer Guarantee, Explained
ReadForm 3916: Declaring Your Moroccan Bank Accounts When You Live in France
ReadT1135: Declaring Your Moroccan Assets When You Live in Canada
ReadMoroccan Rental Income in France or Canada: Are You Taxed Twice?
ReadCRS and Morocco: Does Your Bank Report Your Account Abroad?
ReadBuying Property in Morocco From Abroad: the Guide
ReadForeign Accounts and Moroccan Property: What Belgium Actually Taxes
Read
06. Zakat & wealth
More paths (Zakat & wealth) open as the library grows.
What the sources say
Figures from our articles, with the institution that publishes them.
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The savings rate rose from 3.5% to 13.6% when people pre-committed to setting it aside.
Richard Thaler (Nobel laureate) and Shlomo Benartzi, Journal of Political Economy, 2004
Read in Reverse Budgeting: How to Know What You Can Spend, Without Tracking a Thing -
The savings rate goes from 2.7% for the poorest fifth to 28.4% for the richest.
INSEE, France's national statistics institute, 2017 data
Read in How Much to Save Each Month to Reach Your Goal -
Remittances to low- and middle-income countries reached roughly $656 billion in 2023.
World Bank / KNOMAD
Read in Supporting Family Back Home Without Going Broke: the right amount, head held high -
A financial institution in their own right, observed worldwide.
Besley, Coate and Loury, American Economic Review, 1993
Read in Rotating Savings Clubs: How a ROSCA Actually Works, and Where You Stand -
The AAOIFI standard takes the closing balance-sheet position for the Zakat of a moving balance.
AAOIFI, Zakat standard no. 9
Read in Your monthly salary: what balance do you pay Zakat on?
Wealth is not what you track. It is what you honour, what you plan, and what you give.
Clarity is not control: you needn't record every coffee to know exactly where you stand.
A budget should tell you what you can spend, not scold you for what you spent.
Give with intention. It is the wisest investment you will ever make.
Peace of mind is the true return on a well-ordered month.
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