A book of calm, boring systems for real-life finance.
Table of Contents
How to Read This Book
Welcome to Safe Harbor
Table of Contents
Front Matter
How to Read This Book
Welcome to Safe Harbor
01 — Core Systems
The Safe Harbor Pilot Boat
Cashflow Waterline: A One-Number Budget for Real Life
The Captain's Three Tools: A Simple Credit Card System That Actually Works
Combining the Core Systems
Finding the Smooth Sailing Buffer
02 — Credit Cards
Merchant-Specific Credit Cards: Turning Amazon and Walmart Into 5%-Back Supply Chains
Never Lose Track of Subscriptions Again: A Simple Recovery System for Replaced Cards
03 — Saving & Investing
Build Savings Drones: A System for Letting Your Money Take Over
Monthly Wage Drones: Turning Expenses Into Asset Targets
Zero Idle Cash: A System for Keeping Every Dollar Working
Roth vs. Traditional Retirement Contributions: Choose the System You Can Stick With
04 — Home Economics
Turn Walmart into a Low-Effort Personal Supply Chain
Is Walmart+ Worth It? Here’s How I Let the Numbers Decide for Me
Maximize Burger King Discounts with Walmart+
Use Amazon Auto Buy to automate small seasonal treats without overspending
05 — Finance Concepts
Net Present Value (Not Intuitive, but Worth Learning!)
06 — Epicurean Finance
What Is Epicurean Finance?
Index Investing as Emotional Risk Management
Insurance: Buying Calm, Not Just Reimbursement
Use Treasury Bills to Delay Big Purchases and Avoid Impulse Spending
Reduce Decision Fatigue with Simpler Financial Systems
