Stop Overcomplicating Money

A short, no-nonsense plan to automate your money, invest simply, and build financial independence in Europe

Stop Overcomplicating Money
A Short, No-Nonsense Guide to Automate Your Money and Invest with Confidence
Book 1 in the “Stop Overcomplicating Money” series. Short reads that help you act, not collect trivia.

You’re busy. You’re drowning in recycled YouTube wisdom and “one weird trick” threads.
This short book gives you a calm way to set targets that fit your life, automate the boring stuff, and invest with confidence—without turning money into a second job.

What this book actually is

• A one-page money setup: targets for cash, saving rate, and a monthly investing cadence you’ll keep.

• Step-by-step automation: pay-yourself-first transfers and contribution defaults.

• Plain-English tools: a practical Checklist and a Glossary that decode emergency funds, risk tolerance, rebalancing, index funds, ETFs, accumulating vs. distributing, and more.

• Behavior guardrails for market drops, scary headlines, and “should I change anything?” moments.

• Simple investing defaults: index funds and ETFs at the core, with cash setup and bond basics—plus how to add (or skip) satellites without playing guru.

• Europe-aware notes where it matters (EU/UK), then right back to action.

What it isn’t

• Not a course, a cult, or a hustle pitch.

• No tips, no predictions, no three-hour theory before you can act.

Who it’s for
Busy people who want a clear plan, steady automation, and fewer money decisions—not another spreadsheet hobby.

How to use it this week

• Set your cash bracket, saving rate, and monthly invest amount.

• Turn on automatic transfers and contributions.

• Choose a simple fund mix you can rebalance on a calendar.

• Print the Checklist; skim the Glossary; run the plan.

This is not financial advice. Do your own research. Tax rules vary by country and personal situation.