Surface Layer - Daily Flow
Track only what affects your decisions today. Skip the coffee receipts unless they're actually impacting your weekly cash flow.
Core Layer - Pattern Recognition
Identify the 4-6 spending patterns that drive 80% of your financial outcomes. Most people have fewer patterns than they think.
Deep Layer - Behavioral Triggers
Understand what situations consistently lead to budget deviations. This is where real change happens, not in the tracking itself.