01 — Spreadsheet
Cashflow Tracker
Type what came in, type what went out. It shows your savings rate at the bottom — the only number that matters.
What’s in the kit
Three files. Nothing to learn.
02 — Checklist
Automation Checklist
The exact transfers to set up, in the order of the split. One banking session, about an hour, then never again.
03 — Spreadsheet
Idea Scorecard
Rate a side hustle in five minutes, before you burn a weekend on it. Score it, then decide — or don’t.
Before you hand over an email
The four things people ask.
- How often will you email me?
- About once a week, and nothing at all when I haven’t got something useful. One click to leave, at the bottom of every email.
- Do I have to connect a bank account?
- No. Nothing here connects to anything. You type numbers into a spreadsheet you own, and I never see them.
- Does this work outside the US?
- Yes. The split is percentages — they don’t know what currency you’re in. Nothing in the kit is tied to a US bank or a US tax year.
- What does it cost?
- The kit is free. There’s a $19 Pro Kit further down if you want the finished system later — you’ll never be billed for anything you didn’t buy.
Who’s behind it
I’m Joey. I’m not going to tell you to sell your car.
Lazy Money Lab is the system I actually use: simple money setups that run without you thinking about them. No spreadsheets you’ll abandon in March, no side hustle that eats your weekends, no shame about the coffee.
Education, not individualized financial advice.
After the free kit
There’s a paid one. I’d rather you heard it from me.
The free kit gets your money organised. The Pro Kit finishes the system — six files, including an idea scorecard that ranks eight ideas across nine weighted factors, a 12-month planner that projects a new income stream into your split, and the full automation plan.
$19 once — yours forever, no subscription, 30 days to get it back with no questions.
See what’s in the Pro Kit →The free kit is the actual offer on this page. This is here so it isn’t a surprise later.
Set it once. Stop deciding.
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