Money is a game. Learn the rules.
You can start with $100 a month.
I'm Peri Scott. I made the money mistakes for 30 years so you don't have to. Here's the simple system I use to make my money work for me, in plain English.
7 small steps, one a day. Free. No spam.
Sound familiar?
The money comes in. Then it's gone.
Rent, phone, groceries, takeout. Too much month at the end of the money.
Nobody ever taught you this.
School covered algebra. Not RRSPs, dividends, or how a paycheque turns into ownership.
You think you need more money first.
You don't. You need a habit and a system. $100 a month is enough to start.
It's not your fault. And you can still do something about it.
The idea
Be your own bank
YourBank is a bank with exactly one customer: you. It has three jobs, and once they run on their own, so does your money.
Pay YourBank first
An automatic transfer the day after payday. Before rent, before groceries, before anything.
Own things that pay you
Every dollar buys a piece of something that earns. Dividends start to work like rent coming in.
Let the MACHINE run
Reinvest what comes in, check in once a month, and give YourBank a raise every time you get one.
What $100 a month can become
Put in $100 a month for 30 years and you've put in $36,000. At a 6% average return, it grows to about $100,000.
About $64,000 of that is money your money earned. All it takes is grade 6 math and patience.
An illustration, not a promise. 6% average yearly return, added monthly, before taxes and fees. Real returns go up and down.
Why I do this
I ignored the best money advice I ever got
My brother sat me down in my early twenties and tried to explain RRSPs to me. I ignored him. I was too busy living the dream of being a famous musician to care about saving.
It took me years, a lot of books and plenty of mistakes to learn what he was trying to say: you're playing the money game whether you want to or not. You might as well learn the rules.
Then, after 30 years of working, I lost my job in Alberta's downturn. 400 applications. 3 interviews. Zero offers.
My wife and I sat down with our finances, expecting the worst. And we realized something: we would not starve. The system we'd built kept running when everything else gave way.
That's what being your own bank is really for. Not getting rich quick. A floor under your feet.
More about meWhere to start
Three steps, in this order
You don't need all six books. Start free, then go as deep as you like.
Step 1 · Free
The YourBank Starter Kit
Seven small steps, one a day, to get your first $100 a month working. Takes 15 to 60 minutes a day.
Step 2 · The basics
What I Wish I Knew About Money
The short, plain-English book I'd hand my 25-year-old self.
Get the book
Step 3 · The system
BYOB: Be Your Own Bank
The whole system: YourBank, the MACHINE, and how to borrow from yourself safely.
Get the bookWant me to walk you through it?
The BYOB course sets the whole system up with you, step by step. One-time $197.
What readers say
“It's not complicated — it's actually very practical. The step-by-step system made sense for our life, and it gave us confidence that we're finally building toward something bigger.”
BYOB client, network security engineer
“If you do not have a plan, buy the book and use Peri Scott's plan!”
CEO, ActiveDEMAND
“It's a quick read and easy one which is not the case for most financial books I've read. Really great ideas and information!”
Bestselling author, Through Thorns I Thrive
Start with $100. Start this week.
Get the free YourBank Starter Kit: seven small steps to get your money working, plus a few short emails from me with the stories and mistakes behind it.
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