Build a simple, repeatable way to test a significant financial decision before making it, and run your actual pending decisions through it.
Name the decision you are weighing, then test it against three questions. Run each real decision, hiring, a purchase, an investment, financing, against your budget, targets, and cash. The framework informs judgment, it does not replace it.
| Test | The question | For this decision |
|---|---|---|
| Affordability | Can we fund this without threatening cash? | |
| Return | What do we expect back, and when? | |
| Break-even | What has to be true for this to pay off? |
The goal is to know the numbers before you weigh them. Run this against your budget, targets, and cash, and it keeps you from freezing on a good opportunity or leaping into a bad one, because you can now see which it is. A simple framework applied consistently beats brilliant instinct applied erratically.
Your answers stay in your browser on this page and are never sent anywhere. Copy this test for each significant decision you face.