Prosperity Minimums
Define the floor you refuse to go below with money — and the three non-negotiable behaviors that keep you there.
Prosperity Minimums is the money mirror of the Dating Embargo. Just as you defined the relational floor you refuse to go below, this practice asks you to define your financial floor — the bare-minimum standards for your money life that you will no longer negotiate away.
Most people don't fail at wealth because of ignorance. They fail because they have no floor. No declared line. No self-covenant around money. Prosperity Minimums change that. You're not building an empire in this practice — you're building a foundation.
A Prosperity Minimum is not a goal — it’s a floor. Goals pull you forward. Minimums hold you steady. Define your minimums in these three areas, then treat them as non-negotiable.
The minimum monthly income you accept. Below this number, something must change.
The minimum cushion you keep in reserve at all times — the amount below which you actively course-correct.
Your minimum standards around debt, late bills, and chaos. Define what “chaotic money” looks like, then refuse to live there.
How to Define Your Minimums
- Be specific, not aspirational. Use a number, not a vague intention.
- Base it on reality, not shame. Choose your true stability baseline.
- Revisit every 90 days. As your prosperity grows, your minimums rise.
- Write it as a declaration. “Below this, I take action.”
Journal Prompts
- What has been my unconscious income floor?
- What does financial chaos look and feel like in my body?
- What savings cushion would let me sleep at night?
- If I were advising my daughter, what money floor would I tell her to set?
Minimums define the floor. Non-negotiable behaviors are how you keep yourself off the floor. These are the three money rituals you commit to regardless of how busy or avoidant you feel.
Three Examples to Adapt
- Weekly money date. A 20–60 minute check-in with your finances every single week.
- Always know your balances. No mystery money. Know what’s in checking, savings, and what’s pending.
- No mystery spending. Every dollar has a known destination before or immediately after it leaves.
How to Choose Your Three
- Identify your biggest avoidance pattern. Your first behavior should interrupt it directly.
- Choose behaviors, not outcomes. Focus on what you do, not just what you want.
- Make them small enough to be inevitable. Tiny and consistent beats dramatic and abandoned.
Journal Prompts
- Where do I most reliably go unconscious with money?
- What money behavior have I started and stopped repeatedly?
- If I committed to only three money behaviors for 90 days, which would matter most?
The Prosperity Minimums Map is your completed self-covenant — one document holding your three minimums, your three non-negotiable behaviors, and your 90-day review date.
How to Use the Map
- Complete it in one sitting. 20–30 minutes is enough.
- Date and sign it. Make the self-covenant real.
- Put it somewhere visible. Your dashboard, money date spot, or notes app.
- Set a 90-day review date. Put it in your calendar now.