Lazy Money Lab
Cashflow Tracker
Type what came in, type what went out. It shows your savings rate, the only number that matters, and your split next to the targets.
Joey Viola · makes the paycheck-split videos · about
Your paycheck already knows where it’s going.
Five buckets, set once, and the whole thing runs without you. Type a number and see yours.
- Essentials · 55%$1,375
- Guilt-free · 5%$125
- Debt · 10%$250
- Savings · 15%$375
- Investing · 15%$375
Nothing left floating. The percentages don’t care what you make: they work at $150 and at $8,000.
Want it as files? Three free templates run this for you.
11.2M views across 205 posts4.47M on one of them
Free, yours forever. The folder opens on the next page; a copy lands in your inbox too.
Three files. Nothing to learn.
Spreadsheets you own and a checklist you tick once. No app, no login, no bank connection.
Automation Checklist
The exact transfers to set up, in the order of the split. One banking session, about an hour, then never again.
Idea Scorecard
Rate a side hustle in five minutes, before you burn a weekend on it. Seven weighted criteria, a score, a verdict.
Where this comes from.
One idea, filmed straight to camera. The counts are the platforms’ own, as of 14 October 2026.
“Only works if you’re making plenty. When your whole check only covers bills this doesn’t work.”The most-liked comment under the reels · 201 likes
Fair, and it’s the first thing the kit deals with. The percentages are a target, not a test you pass. If essentials take 80% of your check today, the tracker’s first job is to show you that number next to 55%, so the next decision is about the biggest line, rent, and not about coffee. At $1,200 a month the buckets are small. They’re still yours, and the habit is the whole point.
Before you hand over an email.
- How often will you email me?
- About once a week, and nothing at all when I haven’t got something useful. One click to leave, at the bottom of every email.
- Do I have to connect a bank account?
- No. Nothing here connects to anything. You type numbers into a spreadsheet you own, and I never see them.
- Does this work outside the US?
- Yes. The split is percentages, so it doesn’t know what currency you’re in. Nothing in the kit is tied to a US bank or a US tax year.
- What does it cost?
- The kit is free. There’s a $19 Pro Kit if you want the finished system later. You’ll see it on the page the free kit opens on, and you’ll never be billed for anything you didn’t buy.
Set it once. Stop deciding.
The three files, free. The folder opens on the next page.
11.2M views across 205 posts4.47M on one of them
Free. Occasional low-effort money tips. Unsubscribe any time.
I’m Joey. 22, a restaurant job, about $120K invested, most of it earned a dollar at a time. I’m not going to tell you to sell your car. This is the system I actually use: simple money setups that run without you thinking about them.
Education, not individualized financial advice.