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HWT Scorecard Series · Publication 05: Freedom Over Possessions
The deep-dive companion to the S5 video. Six chapters, one real-numbers savings-rate worksheet, and the two levers most people pull in exactly the wrong order.
Six chapters, no filler: The Rate Not The Raise, Two Levers One Trap, The Self-Test, The Leak Not The Character, Design The Rate In, The Free Gap. Plus the Scorecard section itself, built in as a real fill-in, not linked out: pull last month's actual numbers, run the savings-rate worksheet, and see exactly where you land against the bands the video only had time to name.