Money Baseline
Jonah Hale
See all the cash
Name 14 days of bills
Buffer before clever
Money Baseline
31 days to a household that can tell the truth
Expert #31 Jonah Hale
Leave with a cash buffer plan and a Sunday ritual that fits real life.
- paperback
- en / es
- 176
- May 2026
Why this book?
You do not need a personality transplant. You need a baseline: cash you can see, bills you can name, and a weekly twenty minutes that happens even on a bad week.
What you’ll get
- 30 insights with household tasks.
- Special Edition by Jonah Hale, including The Top 10.
- The Sunday 20 ritual and a buffer calculator on paper.
Jonah Hale
Jonah Hale
Personal Finance
Jonah is a planner who works with people whose income is lumpy and whose anxiety is not. He cares about cash cushions, boring accounts and the difference between a number and a life. 31 Experts selected him because he can explain money without humiliation or hype.
Jonah HaleInside the book
See all the cash
One list. If it is scattered, it is fictional.
Name 14 days of bills
Surprise is usually a failure of looking.
Buffer before clever
Stability is a skill you can practice.
Automate the boring transfer
Willpower is not a payment rail.
The Sunday 20
Twenty minutes. No new apps.
The Top 10
If you could give just one piece of advice to someone starting out in this discipline, what would it be?
Build a cash buffer before you optimize anything interesting.
What was the biggest challenge you faced in your career, and how did you overcome it?
Lifestyle leap after a good year. I now pre-commit raises to savings first.
What is the most important “Never do this…” rule in your discipline?
Never buy a complex product you cannot explain in a paragraph.
Who inspired or mentored you, and what did you learn from them?
An accountant who loved dull consistency.
What is the biggest discovery you wish you had known on day one?
Behavior beats cleverness for almost everyone.
What readers will learn
- How to build a buffer before optimizing.
- How to talk about money at the table.
- How to ignore products you cannot explain.
Readers
“I finally knew what the next two weeks cost. The anxiety had been a spreadsheet I refused to open.”
Related books
Related experts
FAQ
- What is a Special Edition?
- Every 31 Experts book contains 30 curated insights plus a mandatory Expert #31 section: About the Expert and The Top 10. Optional Part III is the Expert’s Playbook.
- How long does it take to read?
- The format is built for 31 days: one idea a day, with a task attached. You can also read it in a sitting.
- What formats are available?
- Paperback is the standard object. Ebook follows. Audiobook and signed copies appear when the edition supports them.
Money Baseline
Leave with a cash buffer plan and a Sunday ritual that fits real life.