Ted Richards

But to go back, I think...

how we can automate so much of these small decisions we can make with our money can really grow to be big things.

And there's some fantastic apps out there that are probably free, to be honest, too, where you can kind of give you a bit of a guidance.

And like you said, Kate,

you get a bit of success and you get that momentum of success and you go, well, I'm actually achieving things here.

You're right to feel quite proud of yourself too.

Yeah, I totally agree.

And yeah, there's great sides to technology, but at the same time,

our money is just one or two clicks away.

So sometimes it can be good just to delete the apps if you do feel like you're being influenced.

I delete my social media apps every now and then too if I feel like I'm just starting to spend a bit too much time on them.

Yes.

Yeah.

The Barefoot Investor talks about having buckets of money.

And if we were thinking about pure economics –

One dollar here, we all think about every single dollar is exactly the same.

But I think mental accounting is a fantastic way to think about your money.

And if you can automate payments into each of those buckets, it can help, really help.

Yeah, Jason's like, how good is he?

A checklist is just a good name for rules-based investing.