Save this. Reuse it any time money is about to leave your account. Before you buy checklist 1. Real decision — What problem am I solving? (Not: what product am I chasing?) 2. Fit — Who is this for? Am I that person? 3. Claims — What exactly are they promising? Feature, outcome, or proof? 4. Income hype — Any earnings / “replace your job” pressure? If yes, slow way down or walk away. 5. Urgency — What happens if I wait 24 hours? 6. Price and terms — One-time or subscription? Refund/cancel path in writing? 7. Deliverables — What do I actually get, and for how long? 8. Verify from source — Can I confirm seller/support without trusting only the pitch link? 9. Data risk — What personal info am I handing over? 10. Human checkpoint — If AI “recommended” this, what did I verify myself? If you cannot answer 1, 6, 7, and 8, you are not ready to buy. Optional: paste your answers (no private data) in Wins & stuck or Week 1 check-in.

New here? You do not need to read everything. Use this 15-minute path: Minutes 1–5 — Classroom Open Start Here: Digital Street Smarts. Do Lesson 1 (or skim 1–3 if you already know your decision). Write the action in a note to yourself. Minutes 6–10 — This week’s exercise Go to Weekly exercise. Do the current post (about 10 minutes). Keep it real: one message, one offer, or one subscription. Minutes 11–15 — Week 1 check-in Post three lines: 1. Your one goal 2. What you tried 3. Where you’re stuck That’s it. Later you can finish Lessons 4–7 and join Ask / Q&A. First win is a clear decision habit, not a finished curriculum. Watch this before you buy that.