A tight budget feels safe. You track every dollar. You optimize subscriptions. You stay “in control.” And that’s great—if your only goal is avoiding disaster. But wealth doesn’t grow in perfectly controlled environments. It grows in the messy moments where luck has room to land.

Airtight budgets protect you from bad decisions, but they also block the great ones. Real opportunity is rarely scheduled. It shows up as a last-minute flight, a weird idea from a friend, a seminar that feels too expensive, a domain name for something you’re not ready to admit you want. If every dollar is preassigned, there’s no oxygen for serendipity.

That’s why you need a Chaos Fund. Think of it as your luck net. Take 5–10 percent of your discretionary income and move it into a separate account. This money has one rule: it cannot be used for responsible things. Not bills. Not groceries. Not debt. It exists only for asymmetric opportunities—small bets with big upside.

Today’s Move: Open the Chaos Fund. Transfer your first contribution. Give an opportunity somewhere to land.

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