1Introduction
7Chapter 6: The Identity Beneath the Transaction
2Chapter 1: The Drift You Thought Was You
8Chapter 7: Friction Is a Financial Force
3Chapter 2: Budgeting Was Never Supposed to Feel Like Punishment
9Chapter 8: A Calm Money Life Beats a Clever Budget
4Chapter 3: Your Financial Life Is Mostly Default Settings
10Chapter 9: Your Environment Is Making Financial Decisions for You
5Chapter 4: Tiny Decisions Are Never Tiny for Long
11Chapter 10: When the System Starts Carrying You