Lazy Money Lab

your paycheck already knows where it’s going.

You just haven’t told it yet. Five buckets, set once, and the whole thing runs without you.

Three templates, free, yours forever. Check your inbox for a confirm link — it’s one click.

What’s in the kit

Three files. Nothing to learn.

The Cashflow Tracker spreadsheet, showing the THIS MONTH tab with income, expenses and a savings rate.
01 — Spreadsheet

Cashflow Tracker

Type what came in, type what went out. It shows your savings rate at the bottom — the only number that matters.

The Automation Checklist PDF, page one, listing the transfers to set up.
02 — Checklist

Automation Checklist

The exact transfers to set up, in the order of the split. One banking session, about an hour, then never again.

The Idea Scorecard spreadsheet, scoring a side hustle across weighted criteria.
03 — Spreadsheet

Idea Scorecard

Rate a side hustle in five minutes, before you burn a weekend on it. Score it, then decide — or don’t.

Who’s behind it

I’m Joey. I’m not going to tell you to sell your car.

Lazy Money Lab is the system I actually use: simple money setups that run without you thinking about them. No spreadsheets you’ll abandon in March, no side hustle that eats your weekends, no shame about the coffee.

Education, not individualized financial advice.

Set it once. Stop deciding.

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