NEW The Paycheck Allocation Formula: How Much Should Go to Spend, Save, and Wealth? →

🌟 New here? Start here.

Build a personal finance system that runs without you.

Follow four focused steps in the right order: get clarity, learn the method, automate the movement of money, and build your safety net.

Start with Step 1 →

Free to begin • No account required • Complete the core path in about 35 minutes

1
Step OneThe 10-Minute Money Reset
10 min
2
Step TwoThe Pereira 3-Account Method™
10 min
3
Step ThreeAutomate Your Savings
8 min
4
Step FourBuild Your Emergency Fund
6 min
Step 01Reset & Get Clarity
Step 02Learn the Method
Step 03Automate the System
Step 04Build the Safety Net
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The 4-Step Path

Follow the sequence. Build the system.

Each step has a specific job. By the end, you will understand the framework, know what your numbers should look like, and have a clear implementation path.

01Reset
Free Reset • 10 Minutes

The 10-Minute Money Reset

Get a fast, honest picture of where your money stands before changing anything. This free reset introduces the Spend, Save, and Grow structure without requiring a spreadsheet or a full budget.

  • Separate financial fog from the facts
  • Identify what is currently happening to your paycheck
  • Understand the three jobs your money must perform
  • Prepare for the system-building steps that follow
Use the Financial System Builder™
02Learn
Foundational Guide • Core Method

The Pereira 3-Account Method™ Explained

Learn the philosophy and structure behind the system: why traditional budgeting often breaks down, what each account is designed to do, and how predetermined allocations replace month-end leftovers.

  • Understand the Income, Safety, and Wealth account roles
  • See how money flows through the three-account structure
  • Compare common allocation models
  • Learn why the method is different from a downloadable product
Read the Method Guide → Build My Allocation
03Automate
Foundational Guide • Automation

How to Automate Your Savings

Turn the method into a repeatable monthly process. Learn how to schedule transfers on payday so saving and investing happen before daily spending can absorb the money.

  • Calculate the transfer amount for each payday
  • Link the appropriate checking, savings, and brokerage accounts
  • Schedule transfers to occur automatically
  • Verify the first cycle and let the system continue
Read the Automation Guide → Analyze My Cash Flow
04Secure
Foundational Guide • Emergency Fund

Emergency Fund 101: Build Your Safety Net

Complete the foundation by defining the amount your Safety Account should hold, where the money should live, and the rules governing when it may be used.

  • Calculate a realistic emergency-fund target
  • Separate true emergencies from irregular expenses
  • Choose an appropriate high-yield savings account
  • Redirect contributions after the target is reached
Read Emergency Fund 101 → Compare Savings Accounts
Continue the Foundation

Ready for the full Foundational Guide collection?

The four-step Start Here path gives you the core sequence. Continue with account setup, automation, saving, banking, and investing guides in the complete KYITG learning library.

Explore All Foundational Guides →
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Use Your Own Numbers

Move from learning to building.

The Financial System Builder™ turns the concepts above into a guided workshop. Build your allocation, analyze your real cash flow, and pressure-test a purchase before it disrupts the plan.

Launch the Financial System Builder™ → Browse the Learning Library

Inside the Financial System Builder™

1

BuildDefine your monthly allocation.

2

AnalyzeFind cash-flow leaks and surplus.

3

DecidePressure-test a major purchase.

Read Next by Goal

Go directly to the problem you need to solve.

The four-step path is the recommended starting point. These goal-based routes help when one issue needs immediate attention.

💸

Stop Living Paycheck to Paycheck

Find out why income disappears and where the system is breaking.

Read the Guide → 📊

Why Budgets Fail

Understand why tracking alone rarely creates lasting financial control.

Learn the Alternative → 🛡️

Build an Emergency Fund

Set a target, choose the right account, and automate the process.

Build the Safety Net → 🏦

Choose a High-Yield Savings Account

Find the right home for the Safety Account and emergency reserves.

Compare Accounts →

Know What You Are Using

Method, guide, product, and builder are different.

Each resource has a separate role in the Keeping You In The Green™ ecosystem.

Method

The Pereira 3-Account Method™

The financial philosophy and account structure explained through educational content.

Guide

Implementation Guides

Step-by-step instructions for automation, account setup, savings, and related actions.

Product

The 3-Account Money System

The complete paid downloadable package available through Gumroad.

Interactive Experience

Financial System Builder™

The free website workshop that uses your numbers to build and test the system.

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Choose Your Next Step

Learn it, build it, or get the complete system.

Start free, use the interactive builder, or purchase the complete packaged system. These are separate resources designed for different levels of support.

Free Interactive Experience

Financial System Builder™

Build an allocation, analyze cash flow, and test a purchase.

Launch the Builder → Complete Product • $19

The 3-Account Money System

Get the full downloadable system and implementation materials.

Get the Complete System →
Continue Building Your System

Educational purposes only. This content is provided for general education and should not be considered individualized financial, tax, legal, or investment advice. Consult a qualified professional about your specific situation.

Affiliate disclosure: Some links on this page are affiliate or referral links. We may earn a small commission if you sign up through them, at no additional cost to you. We only recommend products we’d use ourselves.

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Keeping You In The Green
Free tools & the 3-Account System
Finance Unmasked
Investor education, unmasked
BrainVoltX
Discipline & execution on X
Simple Money Moves
Financial education on YouTube
Pereira Enterprises
CFO-level financial strategy
Build My System (Free) →