💵 Cash Budgeting

Practical guides to managing money through tangible, envelope-style systems, helping readers regain control of spending by making every dollar physically accountable.

You Need a Budget

by Jesse Mecham • 2010

Your current bank balance is the only number that matters. The budgeting system that starts there.

4.09

9k+

🧮 Zero-Based Budgeting 💰 Personal Budgeting 🧘 Financial Mindfulness

You Need a Budget 92%

Your current bank balance is the only number that matters. The budgeting system that starts there.

by Jesse Mecham 2010

4.09

9k+ ratings

🧮 Zero-Based Budgeting 💰 Personal Budgeting 🧘 Financial Mindfulness

Budgeting 101

by Michele Cagan • 2018

One month of tracking, automated savings, and a debt plan: budgeting for people who hate budgeting.

3.87

750

🏠 Household Budgeting 💸 Personal Finance Basics 📋 Expense Tracking

Budgeting 101 92%

One month of tracking, automated savings, and a debt plan: budgeting for people who hate budgeting.

by Michele Cagan 2018

3.87

750 ratings

🏠 Household Budgeting 💸 Personal Finance Basics 📋 Expense Tracking

The Total Money Makeover

by Dave Ramsey • 1994

Why your smallest debt comes first: the step-by-step plan that puts behavior ahead of math.

4.22

98k+

🏠 Household Budgeting 💳 Debt Elimination 🧠 Behavioral Finance

The Total Money Makeover 92%

Why your smallest debt comes first: the step-by-step plan that puts behavior ahead of math.

by Dave Ramsey 1994

4.22

98k+ ratings

🏠 Household Budgeting 💳 Debt Elimination 🧠 Behavioral Finance

Spend Well, Live Rich Spend Well, Live Rich Spend Well, Live Rich

by Michelle Singletary • 2003

Why your possessions aren't assets and debt is a trap: a no-nonsense plan to get ahead.

3.65

195

🧹 Frugal Living 📉 Debt Reduction ⚙️ Automated Saving

Spend Well, Live Rich Spend Well, Live Rich Spend Well, Live Rich Summary

Spend Well, Live Rich Spend Well, Live Rich Spend Well, Live Rich 92%

Why your possessions aren't assets and debt is a trap: a no-nonsense plan to get ahead.

by Michelle Singletary 2003

3.65

195 ratings

🧹 Frugal Living 📉 Debt Reduction ⚙️ Automated Saving

Profit First

by Mike Michalowicz • 2014

Pay profit first, run your business on the rest. Parkinson's Law, applied to your checking account.

4.26

15k+

💸 Cash Flow Management ✉️ Envelope Budgeting 🧠 Behavioral Economics

Profit First 91%

Pay profit first, run your business on the rest. Parkinson's Law, applied to your checking account.

by Mike Michalowicz 2014

4.26

15k+ ratings

💸 Cash Flow Management ✉️ Envelope Budgeting 🧠 Behavioral Economics

The Financial Peace Planner

by Dave Ramsey • 1992

Forget interest rates. The fastest way out of debt starts with your smallest balance.

4.27

17k+

💰 Household Budgeting 💳 Debt Elimination 💵 Cash-Based Budgeting

The Financial Peace Planner 91%

Forget interest rates. The fastest way out of debt starts with your smallest balance.

by Dave Ramsey 1992

4.27

17k+ ratings

💰 Household Budgeting 💳 Debt Elimination 💵 Cash-Based Budgeting

The Total Money Makeover Workbook

by Dave Ramsey • 2003

Smallest debt first, then the next. Interest rates do not matter. Momentum does.

4.28

4k+

📊 Personal Budgeting 🏡 Debt-Free Living 🧠 Behavioral Finance

The Total Money Makeover Workbook Summary

The Total Money Makeover Workbook 91%

Smallest debt first, then the next. Interest rates do not matter. Momentum does.

by Dave Ramsey 2003

4.28

4k+ ratings

📊 Personal Budgeting 🏡 Debt-Free Living 🧠 Behavioral Finance

The 10 Commandments of Money

by Liz Pulliam Weston • 2010

The spending formula that works, the debt to kill first, and the insurance you don't need.

3.71

203

🏦 Personal Finance 📊 Budgeting Systems 💳 Debt Reduction

The 10 Commandments of Money 91%

The spending formula that works, the debt to kill first, and the insurance you don't need.

by Liz Pulliam Weston 2010

3.71

203 ratings

🏦 Personal Finance 📊 Budgeting Systems 💳 Debt Reduction

Smart Money Smart Kids

by Dave Ramsey • 2014

From three jars to a debt-free degree: the chore-and-save plan for raising financially capable kids.

4.26

7k+

🧒 Financial Parenting 🚫 Debt-Free Living 🎓 College Without Loans

Smart Money Smart Kids 91%

From three jars to a debt-free degree: the chore-and-save plan for raising financially capable kids.

by Dave Ramsey 2014

4.26

7k+ ratings

🧒 Financial Parenting 🚫 Debt-Free Living 🎓 College Without Loans

My Money My Way

by Kumiko Love • 2022

Your budget fails because money is emotional. A values-first system for real financial control.

4.17

3k+

🧠 Money Mindset 💸 Emotional Spending 📋 Budgeting Methods

My Money My Way 91%

Your budget fails because money is emotional. A values-first system for real financial control.

by Kumiko Love 2022

4.17

3k+ ratings

🧠 Money Mindset 💸 Emotional Spending 📋 Budgeting Methods

Why Didn't They Teach Me This in School?

by Cary Siegel • 2013

A personal finance education in 99 principles: the simple, unsexy habits that quietly build wealth.

3.82

2k+

💰 Money Management 🧵 Frugality 📊 Saving And Budgeting

Why Didn't They Teach Me This in School? Summary

Why Didn't They Teach Me This in School? 90%

A personal finance education in 99 principles: the simple, unsexy habits that quietly build wealth.

by Cary Siegel 2013

3.82

2k+ ratings

💰 Money Management 🧵 Frugality 📊 Saving And Budgeting

Money Rules

by Gail Vaz-Oxlade • 2012

Ten rules that turn financial chaos into control: budget, save, and invest before you feel ready.

4.08

628

📚 Personal Finance Basics 📊 Budgeting 💳 Debt Management

Money Rules 90%

Ten rules that turn financial chaos into control: budget, save, and invest before you feel ready.

by Gail Vaz-Oxlade 2012

4.08

628 ratings

📚 Personal Finance Basics 📊 Budgeting 💳 Debt Management

All Your Worth

by Elizabeth Warren • 2005

Your entire financial life in three numbers, and one of them is reserved for joy.

4.15

2k+

🏦 Personal Finance 📊 Budgeting Systems 🧠 Financial Psychology

All Your Worth 90%

Your entire financial life in three numbers, and one of them is reserved for joy.

by Elizabeth Warren 2005

4.15

2k+ ratings

🏦 Personal Finance 📊 Budgeting Systems 🧠 Financial Psychology

How to Adult

by Jake Cousineau • 2021

The money class school skipped: how to budget, build credit, invest, and dodge the debt traps.

4.42

240

📚 Financial Literacy 🔑 Adulting 💰 Budgeting

How to Adult 90%

The money class school skipped: how to budget, build credit, invest, and dodge the debt traps.

by Jake Cousineau 2021

4.42

240 ratings

📚 Financial Literacy 🔑 Adulting 💰 Budgeting

Start Over, Finish Rich

by David Bach • 2009

Find your hidden spending, crush your debt, and automate your financial life: ten steps.

3.65

361

🧹 Debt Elimination 🏦 Automated Finances 📊 Expense Tracking

Start Over, Finish Rich 90%

Find your hidden spending, crush your debt, and automate your financial life: ten steps.

by David Bach 2009

3.65

361 ratings

🧹 Debt Elimination 🏦 Automated Finances 📊 Expense Tracking

Financial Statements

by Thomas R. Ittelson • 1998

Why cash and profit tell different stories, and the three pages that reveal both.

4.17

1k+

🧾 Financial Statements 📚 Business Literacy 📒 Financial Accounting

Financial Statements 90%

Why cash and profit tell different stories, and the three pages that reveal both.

by Thomas R. Ittelson 1998

4.17

1k+ ratings

🧾 Financial Statements 📚 Business Literacy 📒 Financial Accounting

Financial Adulting

by Ashley Feinstein Gerstley • 2022

Personal finance for the system we actually live in, not the one your parents had.

4.16

205

💰 Personal Finance Basics 📊 Budgeting 📈 Investment Basics

Financial Adulting 90%

Personal finance for the system we actually live in, not the one your parents had.

by Ashley Feinstein Gerstley 2022

4.16

205 ratings

💰 Personal Finance Basics 📊 Budgeting 📈 Investment Basics

Personal Finance Simplified

by Tycho Press • 2014

A jargon-free money system for people who think they are bad with numbers.

3.79

111

💰 Personal Finance 📊 Money Management 📚 Financial Literacy

Personal Finance Simplified 90%

A jargon-free money system for people who think they are bad with numbers.

by Tycho Press 2014

3.79

111 ratings

💰 Personal Finance 📊 Money Management 📚 Financial Literacy

Living Rich by Spending Smart

by Gregory Karp • 2008

The money you need is already yours. It's hiding in the bills you never question.

3.66

1k+

💰 Personal Finance ✂️ Frugal Living 🧠 Money Psychology

Living Rich by Spending Smart 90%

The money you need is already yours. It's hiding in the bills you never question.

by Gregory Karp 2008

3.66

1k+ ratings

💰 Personal Finance ✂️ Frugal Living 🧠 Money Psychology

Romancing The Balance Sheet

by Anil Lamba • 2010

Financial sense for the rest of us: profit isn't cash, and knowing why changes every decision.

4.31

1k+

💼 Corporate Finance 📚 Financial Literacy 💰 Cash Flow Management

Romancing The Balance Sheet 90%

Financial sense for the rest of us: profit isn't cash, and knowing why changes every decision.

by Anil Lamba 2010

4.31

1k+ ratings

💼 Corporate Finance 📚 Financial Literacy 💰 Cash Flow Management

Get Good with Money

by Tiffany Aliche • 2021

A ten-step system that links every money move, because fixing just your budget never sticks.

4.35

4k+

💰 Personal Finance Basics 📊 Budgeting Basics 💳 Debt Repayment

Get Good with Money 90%

A ten-step system that links every money move, because fixing just your budget never sticks.

by Tiffany Aliche 2021

4.35

4k+ ratings

💰 Personal Finance Basics 📊 Budgeting Basics 💳 Debt Repayment

Financial First Aid

by Alyssa Davies • 2022

Money crisis? Stabilize first: negotiate every bill, build a real safety net, then look ahead.

3.94

227

💰 Personal Finance 💳 Debt Relief 📊 Budgeting

Financial First Aid 90%

Money crisis? Stabilize first: negotiate every bill, build a real safety net, then look ahead.

by Alyssa Davies 2022

3.94

227 ratings

💰 Personal Finance 💳 Debt Relief 📊 Budgeting

Cashflow Cookbook

by Gordon Stein • 2017

Sixty small spending changes that compound into a two-million-dollar nest egg.

3.44

📊 Personal Finance 🧹 Frugal Living 📈 Compound Savings

Cashflow Cookbook 90%

Sixty small spending changes that compound into a two-million-dollar nest egg.

by Gordon Stein 2017

3.44

9 ratings

📊 Personal Finance 🧹 Frugal Living 📈 Compound Savings

The Money Book for Freelancers, Part-Timers, and the Self-Employed

by Joseph D'Agnese • 2006

Your income swings wildly. The percentage-first account system that builds savings from every check.

4.02

418

💼 Freelance Finance 📊 Percentage-Based Budgeting 🏦 Multiple Account Systems

The Money Book for Freelancers, Part-Timers, and the Self-Employed Summary

The Money Book for Freelancers, Part-Timers, and the Self-Employed 90%

Your income swings wildly. The percentage-first account system that builds savings from every check.

by Joseph D'Agnese 2006

4.02

418 ratings

💼 Freelance Finance 📊 Percentage-Based Budgeting 🏦 Multiple Account Systems

Mom's Got Money

by Catherine Alford • 2021

The money guide for moms done feeling broke: practical steps from net worth to negotiation.

4.11

🧠 Money Mindset 👨‍👩‍👧‍👦 Family Budgeting 🗽 Financial Independence

Mom's Got Money 90%

The money guide for moms done feeling broke: practical steps from net worth to negotiation.

by Catherine Alford 2021

4.11

19 ratings

🧠 Money Mindset 👨‍👩‍👧‍👦 Family Budgeting 🗽 Financial Independence

Let's Talk Money

by Monika Halan • 2018

An organizing system for your money that separates spending from saving before willpower runs out.

4.43

4k+

🏦 Financial Planning 📊 Asset Allocation 💸 Cash Flow Management

Let's Talk Money 90%

An organizing system for your money that separates spending from saving before willpower runs out.

by Monika Halan 2018

4.43

4k+ ratings

🏦 Financial Planning 📊 Asset Allocation 💸 Cash Flow Management

Breaking Free From Broke

by George Kamel • 2024

The financial industry profits from your stress. An exit strategy built on momentum, not math.

4.24

4k+

🧹 Debt Elimination 📋 Personal Budgeting 🧠 Behavioral Finance

Breaking Free From Broke 90%

The financial industry profits from your stress. An exit strategy built on momentum, not math.

by George Kamel 2024

4.24

4k+ ratings

🧹 Debt Elimination 📋 Personal Budgeting 🧠 Behavioral Finance

A Canadian's Guide to Money-smart Living

by Kelley Keehn • 2019

Canadian money talk: automate savings, ditch debt, and claim the tax breaks most people never touch.

3.79

109

📘 Personal Finance Basics 🍁 Canadian Finance 🧠 Money Mindset

A Canadian's Guide to Money-smart Living Summary

A Canadian's Guide to Money-smart Living 90%

Canadian money talk: automate savings, ditch debt, and claim the tax breaks most people never touch.

by Kelley Keehn 2019

3.79

109 ratings

📘 Personal Finance Basics 🍁 Canadian Finance 🧠 Money Mindset

Make Money Move

by Lauren Simmons • 2023

Budget, invest, build wealth: inside-out money advice from the NYSE's youngest female floor trader.

3.51

137

💰 Personal Finance 🧠 Money Mindset 📊 Budgeting

Make Money Move 90%

Budget, invest, build wealth: inside-out money advice from the NYSE's youngest female floor trader.

by Lauren Simmons 2023

3.51

137 ratings

💰 Personal Finance 🧠 Money Mindset 📊 Budgeting

Stop Over-Thinking Your Money!

by Preet Banerjee • 2013

Five rules do more for your money than stock tips, starting with protecting your income.

3.80

362

💰 Money Management 📚 Financial Literacy 🛡️ Risk Management

Stop Over-Thinking Your Money! 90%

Five rules do more for your money than stock tips, starting with protecting your income.

by Preet Banerjee 2013

3.80

362 ratings

💰 Money Management 📚 Financial Literacy 🛡️ Risk Management

Financially Stupid People Are Everywhere

by Jason Kelly • 2010

Credit cards, car loans, and mortgages are not tools. They are the traps that keep Americans broke.

3.50

134

🏡 Frugal Living 💳 Debt Reduction 🗽 Financial Independence

Financially Stupid People Are Everywhere Summary

Financially Stupid People Are Everywhere 90%

Credit cards, car loans, and mortgages are not tools. They are the traps that keep Americans broke.

by Jason Kelly 2010

3.50

134 ratings

🏡 Frugal Living 💳 Debt Reduction 🗽 Financial Independence

The Wealthy Barber

by David Chilton • 2002

A barber's simple wealth rule: save ten percent first, invest early, let time compound the rest.

4.02

11k+

🏦 Personal Finance Basics 💸 Automated Savings 📈 Compound Interest

The Wealthy Barber 90%

A barber's simple wealth rule: save ten percent first, invest early, let time compound the rest.

by David Chilton 2002

4.02

11k+ ratings

🏦 Personal Finance Basics 💸 Automated Savings 📈 Compound Interest

The Financial Diet

by Chelsea Fagan • 2018

The money book that knows your kitchen, closet, and dinner-table talk are financial decisions too.

3.44

6k+

💰 Personal Finance Basics 🌱 Millennial Money 📊 Budgeting

The Financial Diet 90%

The money book that knows your kitchen, closet, and dinner-table talk are financial decisions too.

by Chelsea Fagan 2018

3.44

6k+ ratings

💰 Personal Finance Basics 🌱 Millennial Money 📊 Budgeting

Make Epic Money

by Ankur Warikoo • 2024

Why starting with pocket change in your twenties beats a high salary in your forties.

3.82

654

💰 Money Management 🌱 Beginner Finance 📋 Budgeting

Make Epic Money 90%

Why starting with pocket change in your twenties beats a high salary in your forties.

by Ankur Warikoo 2024

3.82

654 ratings

💰 Money Management 🌱 Beginner Finance 📋 Budgeting

Get a Financial Life

by Beth Kobliner • 1996

Pocket change at 25 becomes wealth by 65. The money moves every young adult needs.

3.90

3k+

📚 Financial Literacy 💰 Money Management 🧑 Young Adult Finance

Get a Financial Life 90%

Pocket change at 25 becomes wealth by 65. The money moves every young adult needs.

by Beth Kobliner 1996

3.90

3k+ ratings

📚 Financial Literacy 💰 Money Management 🧑 Young Adult Finance

The Automatic Millionaire, Expanded and Updated

by David Bach • 2003

One bank setting change, and you retire rich without budgeting or a six-figure salary.

3.94

21k+

💰 Money Management 🏗️ Wealth Building ⚙️ Financial Automation

The Automatic Millionaire, Expanded and Updated Summary

The Automatic Millionaire, Expanded and Updated 90%

One bank setting change, and you retire rich without budgeting or a six-figure salary.

by David Bach 2003

3.94

21k+ ratings

💰 Money Management 🏗️ Wealth Building ⚙️ Financial Automation

Broke Millennial

by Erin Lowry • 2017

Money baggage first. Then fix the budget, the debt, and the salary you settled for.

3.88

6k+

💰 Personal Finance 🧠 Money Mindset 📊 Budgeting Methods

Broke Millennial 90%

Money baggage first. Then fix the budget, the debt, and the salary you settled for.

by Erin Lowry 2017

3.88

6k+ ratings

💰 Personal Finance 🧠 Money Mindset 📊 Budgeting Methods

Accounting Fundamentals

by Shihan Sheriff • 2023

Three statements hold a company's story: a guide to reading the numbers, zero accounting required.

4.08

🧠 Financial Literacy 📊 Managerial Finance 📚 Accounting Fundamentals

Accounting Fundamentals 90%

Three statements hold a company's story: a guide to reading the numbers, zero accounting required.

by Shihan Sheriff 2023

4.08

12 ratings

🧠 Financial Literacy 📊 Managerial Finance 📚 Accounting Fundamentals

The Finance Book

by Stuart Warner • 2017

Read the statements, manage the cash, and price for profit, even with zero accounting background.

4.06

174

💼 Business Finance 💡 Financial Literacy 📊 Financial Statements

The Finance Book 90%

Read the statements, manage the cash, and price for profit, even with zero accounting background.

by Stuart Warner 2017

4.06

174 ratings

💼 Business Finance 💡 Financial Literacy 📊 Financial Statements

Making the Most of Your Money Now

by Jane Bryant Quinn • 2009

Every money question a lifetime asks, answered in one comprehensive guide.

4.22

125

🏦 Money Management 📚 Financial Literacy 💳 Debt Reduction

Making the Most of Your Money Now Summary

Making the Most of Your Money Now 90%

Every money question a lifetime asks, answered in one comprehensive guide.

by Jane Bryant Quinn 2009

4.22

125 ratings

🏦 Money Management 📚 Financial Literacy 💳 Debt Reduction

How to Understand Business Finance

by Bob Cinnamon • 2006

Finance for the non-accountant: balance sheets, cash flow, and the ratios that matter.

3.36

🏢 Corporate Finance 📖 Financial Literacy 📊 Financial Statements

How to Understand Business Finance Summary

How to Understand Business Finance 90%

Finance for the non-accountant: balance sheets, cash flow, and the ratios that matter.

by Bob Cinnamon 2006

3.36

44 ratings

🏢 Corporate Finance 📖 Financial Literacy 📊 Financial Statements

Manage Your Money Like a Grownup

by Sam Beckbessinger • 2020

R100 at 16 beats R1,000 at 30: the money rules your parents never learned.

4.02

🏦 Personal Finance 📚 Financial Literacy 🧑‍🎓 Teen Money Guide

Manage Your Money Like a Grownup Summary

Manage Your Money Like a Grownup 90%

R100 at 16 beats R1,000 at 30: the money rules your parents never learned.

by Sam Beckbessinger 2020

4.02

51 ratings

🏦 Personal Finance 📚 Financial Literacy 🧑‍🎓 Teen Money Guide

The Accounting Game

by Darrell Mullis • 1998

A lemonade stand, a box of receipts, and the three sheets that reveal if your business survives.

4.27

1k+

🧮 Introductory Accounting 💡 Financial Literacy 🏪 Small Business Finance

The Accounting Game 90%

A lemonade stand, a box of receipts, and the three sheets that reveal if your business survives.

by Darrell Mullis 1998

4.27

1k+ ratings

🧮 Introductory Accounting 💡 Financial Literacy 🏪 Small Business Finance

Love Your Life, Not Theirs

by Rachel Cruze • 2016

Comparison costs you money. Seven habits that trade envy for contentment and debt for freedom.

3.97

8k+

🔓 Debt Freedom 👀 Social Comparison 😌 Financial Contentment

Love Your Life, Not Theirs 89%

Comparison costs you money. Seven habits that trade envy for contentment and debt for freedom.

by Rachel Cruze 2016

3.97

8k+ ratings

🔓 Debt Freedom 👀 Social Comparison 😌 Financial Contentment

Cold Hard Truth On Men, Women and Money

by Kevin O'Leary • 2012

Common money mistakes and their blunt fixes: start by tracking every dollar for three months.

3.89

2k+

🏦 Personal Finance 📚 Financial Literacy 🚫 Debt Elimination

Cold Hard Truth On Men, Women and Money Summary

Cold Hard Truth On Men, Women and Money 89%

Common money mistakes and their blunt fixes: start by tracking every dollar for three months.

by Kevin O'Leary 2012

3.89

2k+ ratings

🏦 Personal Finance 📚 Financial Literacy 🚫 Debt Elimination

Accounting for the Numberphobic

by Dawn Fotopulos • 2014

Three financial gauges show if your business lives or dies. No degree needed to read them.

4.33

302

🏪 Small Business Finance 📊 Financial Statements 💧 Cash Flow Management

Accounting for the Numberphobic 89%

Three financial gauges show if your business lives or dies. No degree needed to read them.

by Dawn Fotopulos 2014

4.33

302 ratings

🏪 Small Business Finance 📊 Financial Statements 💧 Cash Flow Management

Your Money Ratios

by Charles Farrell • 2009

Eight ratios tied to your age that answer: am I saving enough, right now?

3.87

252

💰 Personal Finance 🧮 Retirement Planning 🗽 Financial Independence

Your Money Ratios 89%

Eight ratios tied to your age that answer: am I saving enough, right now?

by Charles Farrell 2009

3.87

252 ratings

💰 Personal Finance 🧮 Retirement Planning 🗽 Financial Independence

Financial Feminist

by Tori Dunlap • 2022

A step-by-step money plan for women that skips the shame and goes straight to the numbers.

4.09

18k+

💰 Personal Finance 🧠 Money Mindset 🎯 Value-Based Spending

Financial Feminist 89%

A step-by-step money plan for women that skips the shame and goes straight to the numbers.

by Tori Dunlap 2022

4.09

18k+ ratings

💰 Personal Finance 🧠 Money Mindset 🎯 Value-Based Spending

Broke Millennial Talks Money

by Erin Lowry • 2020

Money talks do not have to be fights: what to say about salaries, splitting bills, and saying no.

3.85

415

💰 Financial Communication 💑 Couples Finance 👨‍👩‍👧‍👦 Family Money Dynamics

Broke Millennial Talks Money 89%

Money talks do not have to be fights: what to say about salaries, splitting bills, and saying no.

by Erin Lowry 2020

3.85

415 ratings

💰 Financial Communication 💑 Couples Finance 👨‍👩‍👧‍👦 Family Money Dynamics

From 0 to 130 Properties in 3.5 Years

by Steve McKnight • 2003

The women's money guide: budget by values, escape debt strategically, invest with simple math.

3.94

465

💰 Personal Finance 👩‍💼 Women And Money 🧠 Financial Mindset

From 0 to 130 Properties in 3.5 Years Summary

From 0 to 130 Properties in 3.5 Years 89%

The women's money guide: budget by values, escape debt strategically, invest with simple math.

by Steve McKnight 2003

3.94

465 ratings

💰 Personal Finance 👩‍💼 Women And Money 🧠 Financial Mindset

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