Henri Meurnicé · Money & discipline
Wealth is built
in private.
Not by one lucky trade. By ordinary decisions, made the same way every day, recorded honestly, for years.
The principles
Five rules older than any market.
- I
Pay yourself first.
Savings come out the day you are paid, before rent, before anything. What is left is what you may spend. Never the reverse.
- II
Know where every dollar goes.
You cannot correct what you do not record. Most people underestimate their spending until they write it down.
- III
Spend less than you earn. Every month.
The gap between income and spending is the only place wealth can come from. Widen it from both sides.
- IV
Let time do the heavy lifting.
Compounding rewards whoever starts first and stops last. Time in the market matters more than timing it.
- V
Net worth is the score.
Income is noise. What you own minus what you owe is the number that tells the truth. Check it once a month.
The power of compounding
Small money, given time, becomes serious money.
Hypothetical example at a steady 7% yearly return, compounded monthly. Real returns vary and can be negative. For illustration only, not a promise or financial advice.
From those who built it
Words worth keeping.
“Rule No. 1: Never lose money. Rule No. 2: Never forget Rule No. 1.”
“Chains of habit are too light to be felt until they are too heavy to be broken.”
“Price is what you pay. Value is what you get.”
“Spend each day trying to be a little wiser than you were when you woke up.”
“The investor’s chief problem — and even his worst enemy — is likely to be himself.”
“Pain + Reflection = Progress.”
“Know what you own, and know why you own it.”
Every one of these rules depends on one thing: an honest record. So we built one.
The Discipline SystemThe Discipline System
Discipline is not a mood.
A private 90-day ledger for your habits and your money. Seven standards you keep every day, and one honest account of exactly where your money goes.
Most people never write down what they do or what they spend. So they guess, and the guess is always kind to them. This ledger ends the guessing.
- Mark seven standards every night. Your streak counts itself.
- Log every dollar. Your budget fills itself in.
- Every Sunday, your week is graded A to F.
- Once a month, your net worth tells you the real score.
Works in Microsoft Excel and free Google Sheets.
The Dashboard after three weeks of sample entries.
What's inside
Eight tabs. One file. Ninety days.
You record the truth. The ledger does the math: your streaks, your weekly grade, your budget, your net worth.
Start Here
A letter from Henri and a five-minute setup guide.
Dashboard
Streaks, discipline score, money and net worth on one page, with a verdict from Henri.
The Code
Your start date, your seven non-negotiables, your why, your goal and your reward.
90-Day Tracker
One row a day. Mark each standard kept or missed. Streaks count themselves.
Weekly Review
Every Sunday your week is graded A to F. Write the win, the weakness and the correction.
Budget
Plan versus actual, with paying yourself first built in. Actuals fill in on their own.
Transactions
Your money log. Every dollar you record flows straight into the Budget.
Net Worth
Twelve months of what you own minus what you owe. The real score.
See it
Built to be used every night.
| Day | Date | Wake | Train | Read | Spend | Deep work | No phone | Review | Score | Day | Streak |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 10 | Sun, Jan 10 | ✓ | ✓ | ✓ | ✗ | ✗ | ✓ | ✓ | 71% | KEPT | 10 |
| 11 | Mon, Jan 11 | ✓ | ✓ | ✓ | ✗ | ✗ | ✓ | ✓ | 71% | KEPT | 11 |
| 12 | Tue, Jan 12 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 100% | KEPT | 12 |
| 13 | Wed, Jan 13 | ✓ | ✓ | ✓ | ✗ | ✓ | ✓ | ✓ | 86% | KEPT | 13 |
| 14 | Thu, Jan 14 | ✗ | ✗ | ✗ | ✓ | ✓ | ✓ | ✗ | 43% | BROKEN | 0 |
| 15 | Fri, Jan 15 | ✗ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 86% | KEPT | 1 |
| 16 | Sat, Jan 16 | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ | ✓ | 86% | KEPT | 2 |
The 90-Day Tracker
Pick ✓ or ✗ for each standard. Each day is scored and marked KEPT or BROKEN, and your streak builds or resets.
| # | Standard | Why it matters to you |
|---|---|---|
| 1 | Wake before 6:00 | The day belongs to whoever claims it first. |
| 2 | Train the body | A weak body makes a negotiating mind. |
| 3 | Read 20 pages | Compound interest works on the mind too. |
| 4 | Spend nothing unplanned | Every dollar has a job. |
| 5 | 2 hours of deep work | This is where the money is made. |
| 6 | No phone the first hour | Your attention is your capital. |
| 7 | Review the day | What gets measured gets corrected. |
The Code
Write your standards down. Make them yours. Every tab follows what you set here.
How it works
Five minutes a night.
Mark the day
Seven standards, kept or missed. Log what you spent. The ledger does not lie, so neither do you.
Face the week
Your week is graded for you. Name one win, one weakness and one correction.
Read the score
Update your net worth and check the Dashboard. Watch the number that matters move.
A word from Henri
Discipline is not a mood. It is a decision you make before the day begins, and again every time the day tests you.
Most people keep no record of themselves. So they lie, and they believe the lie.
This is your record. Every morning, look at it. Every night, tell it the truth.
— Henri Meurnicé
Questions
Before you begin.
What do I need to use it?
Microsoft Excel, or a free Google account for Google Sheets. In Google Drive, upload the file and choose File > Save as Google Sheets.
How do I get it after paying?
Right after checkout you land on a download page. Your download link works for 30 days, and you also get a receipt by email.
Is this a subscription?
No. One payment of $97. The file is yours to keep and reuse.
Can I change the seven standards?
Yes. Write your own on The Code tab and every other tab updates to match.
Can I get a refund?
Because this is an instant digital download, all sales are final. If the file does not open or something is broken, reply to your receipt email and we will make it right.
Is this financial advice?
No. It is a tracking and planning tool for education and personal use. For decisions about your own situation, talk to a qualified professional.
Begin today
Ready is a story the undisciplined tell.
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