Everything to set up before (or right after) payday number one Gross, deductions, net — where a third of your money went Three accounts and a payday split — built in week one £1,000 before anything fancy — freedom in account form Financed phones, BNPL, the overdraft creep, lifestyle inflation Employer match, benefits, and the graduate discounts on adulthood One card, small use, always paid — a tool, not a lifestyle One global index fund, automated — and then ignored Recap — eight moves, one afternoon, forty years of dividends








