Friction Wins: Why Making Your Money Harder to Spend Helps You Keep More of It

Wealth leaks through convenience. Swipe, tap, click—it’s frictionless. That’s good for businesses, bad for your balance. Friction flips the script.

By making spending slower and saving faster, you bias your behavior toward keeping more. Maybe that means separate accounts, delayed transfers, or locked systems. Small barriers make a big difference over time. Friction is discipline without willpower.

The harder you make it to undo progress, the stronger your compounding becomes. Friction makes your default path the wealth-building one. You don’t fight yourself—you protect yourself. In finance, friction isn’t a bug—it’s a feature.