Step 1 of 5

Pick your one target.

One habit. One $10 limit. Cut the financial fat — build the money muscle.

☕Daily Coffee

🥡Takeout Lunch

🛒Groceries

🍺Drinks / Bar

👕Impulse Apparel

🍿Work Snacks

🎮Entertainment

🛵Delivery Fees

✏️Other Habit

Frequency

📅 Daily $10

🗓️ Weekly $10

Step 2 of 5

How much do you actually spend?

No judgment. Just data. Enter your real daily spend on this category.

$ / day

Financial fat scan

$6Current spend

$10$10 goal

$0Financial fat

Annual impact

freed up per year — your money muscle starts here

Step 3 of 5

Your debt accelerator.

Watch what redirecting your financial fat does to your payoff timeline — then see what happens after.

Total debt ($)

Interest rate (%)

Min. payment ($/mo)

Extra from $10 diet

—Months without diet

—Months with diet

—

months shaved off your debt payoff

—Monthly savings

—Interest avoided

Without $10 Diet

With $10 Diet

After debt: wealth builder

Now put that money to work.

Once your debt is paid off, redirect the same monthly amount into investments. Here's what compound interest does to it over time.

$How compound interest builds wealth

You invest monthly. Every month, your freed-up money goes into an investment account instead of toward debt or spending.

Your money earns returns. The market generates a return on your balance — historically 7–10% per year for a diversified index fund.

Returns earn returns. Your gains are reinvested and next month they earn returns too. Growth accelerates — the longer you stay in, the more explosive it becomes.

Time is the multiplier. At 7%, money doubles roughly every 10 years. Starting at 30 vs. 40 can mean the difference between $500K and $1M+ at retirement.

Annual return rate 7%

10 years

—

20 years
—

30 years

—

Total contributed

Growth from compounding

Step 4 of 5

Your 4-week Coffee plan.

Your custom daily playbook. Expand each week, check off every day, and own your progress.

Step 5 of 5

Your results card.

Download it, share it, own it. Cut the financial fat — build the money muscle.

The $10 Diet

Cut the fat. Build the muscle.

My commitment

☕Coffee habit

I'm trimming $35/day and saving $12,775 this year.

Building my money muscle — $10 at a time

$35Fat trimmed

$12,775Saved/year

8 moOff debt

$10 goalWas spending $45/day

Debt-free date moves up by8 months

Interest I'm no longer paying$640

tendollardiet.com

Cut the financial fat. Build the money muscle.

Free tool

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