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Sanam Balani

How the "Rule of One" led to +19.7% in net worth over 90 days


Nothing is better than watching someone apply your guidance and achieve remarkable results with their wealth.

Especially because I believe that everyone tries so hard to live below their means, when their wealth could grow exponentially quicker if they only knew how.

The challenge is turning income into life goals people will actually look forward to - saving and investing isn’t easy.

Your business will take off when you nail two parts of an important equation - having a positive relationship with money, AND saving and investing for your goals in a way that energises you.

Once you find that sweet spot, wealth should start to accelerate.

I offer limited spots for my Accelerator flagship program each month for high-achievers who want my take on their personal finances. And a girl, called “Laura” signed up with me back in July.

Despite having decent savings, Laura’s wealth had stagnated for over 5 years in a row. She was frustrated and questioning why picking hot stocks wasn’t working out.

The Zero-Investing Reality

When Laura and I got to work, the first thing I wanted to know was what she believed to be true about wealth.

And sure enough, I uncovered a very common problem - Laura saw her father struggle so much to keep the family afloat, that she second-guessed all of her financial decisions, and feared taking any action.

Here’s what her typical month looked like:

  • Worked 9+ hours a day.
  • Saved $600 per month at 0% interest.
  • Felt guilty whenever she spent on joy.
  • Saw her 2 hot stocks drop daily.

This woman was exhausted, frustrated, and not really growing her wealth. There’s no worse combination than that.

The Rule of One Solution

So I encouraged Laura to break from her routine and try something different - something I call The Rule of One.

For 90 days, I asked her to rewrite her story from “I fear making a mistake and losing money” to “I’m learning without shame, and will grow my wealth.” I asked her to commit to:

  • Saving a specific percentage of her wealth.
  • Classify her savings for one specific purpose.
  • Selecting two simple global index funds to invest in.

No vague numbers. No multiple purposes. No complex strategy.

Most hard-workers would look at this strategy and say, “I’m being so basic!” And that was Laura’s hesitation, too. But after some convincing, she gave it a try.

The 90-Day Transformation

For the first month, Laura zeroed in on her positive money script every morning: learning without shame and new confidence.

No woo-woo journaling. Just 9 clear words.

After stating this, we agreed she’d look at how far she was from her saving percentage goal.

I’m 65% away and I’ve got 20 days”.

The idea was simple - get used to thinking in percentages, prove you can track progress, and then use this confidence to meet your goals and invest.

And it worked. One month later, Laura saved slightly more than we anticipated, giving her the boost she needed to rewire her money story and try investing.

From Saving to Investing for Exponential Wealth

So in month two, that’s exactly what Laura did. She started working in percentages to measure concrete progress towards her goals:

  • Separated $10,000 for a car downpayment.
  • Invested 20% in global bonds, that grew by 1%.
  • Invested 80% in global stocks, that grew by 3.7%.

And after eight weeks, something interesting started to happen.

Money flowed to meet her goal. Not just in a 0% rate account.

Her positive relationship with money was paying off.

So Laura increased her saving rate - but only after ensuring it didn’t impact her fun lifestyle.

Over time, we automated this process to make sure it followed the same path: save a specific percentage, track goals, invest in stocks and bonds.

The Results

After 90 days, Laura had boosted her net worth by 19.7%, across savings and investments, and rebuilt her money mindset to feeling “confident and empowered with her money.”

This system created more opportunities to attract wealth, not less.

Because when you’re seen as someone in control of your money, high-performers are attracted to you, and refer you to other people that will pay you more for your skills.

Just think about it. Imagine you’re one dollar. Who would you rather go to, to find other friends i.e. more dollars? Someone who “keeps you stuck” in an account with no purpose, or someone who’s focused on making you “meet fun goals and grow with like-minded dollars”?

The answer is obvious, and it's exactly why I often stress on your money mindset being a unique trigger.

The Hidden Benefits

The Rule of One doesn’t limit wealth. It compounds it. And there are several other benefits that come from being specific.

  • Laura met her goals quicker, because her goals were aligned to her core values.
  • Her income increased, because her confidence improved at work and in relationships.
  • Her life’s purpose became clearer, because she wasn’t indecisive anymore.

How to Implement This for Yourself

Ready to try The Rule of One? Remember, the concept is simple:

  1. Choose one limiting belief on money to rewrite.
  2. Choose one saving percentage to track progress.
  3. Choose a very simple global portfolio strategy - aligned so clearly with your goals, that most people wouldn’t understand it.

Then, commit to this focus for 90 days.

No languishing.

No tweaking the goal.

No comparing to others.

The hardest part will be resisting your urge to make this more complex. But even when you start seeing success, stick with being specific to gain even more traction.

Believe it or not, this is fun work. I hope you’ll give this exercise a try.

And if you do, please hit reply and tell me how it goes. I love hearing about your results.

That’s all for today. See you next week!

Sanam Balani

Join readers of Two-Bullet Tuesdays for hands-on money tips, no-BS strategies, and investing guidance to grow wealth with a stress-free system you can manage.

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