Automate the transfer on payday. Willpower is a poor treasurer, and it takes every weekend off.

The thought behind it

Behaviour beats intention here. The line describes a lever, and levers do not care how motivated you feel. Money Mind reads a balance as evidence of decisions rather than as a score, which is the harder thing to look at. The weight sits on “payday” — the one word you cannot swap out without losing the whole point.