Money tests rarely arrive as crises. They arrive as small, repeated choices—covering a tab, splitting a repair, lending a few dollars—any of which, if handled loosely, corrodes trust and self‑respect over months. The Small‑Bill Standard is a short, practical protocol for everyday financial integrity: pick one narrow rule for small exchanges (e.g., 'I settle shared expenses within 48 hours' or 'I never borrow under $20 without a return date'), say it aloud once each morning, and use three calm scripts to accept, decline, or repair money moments without drama. James explains the behavioral logic—small financial slippage is often social and habitual—then gives family, work, and friend examples, a 60‑second installation ritual to lock tonight, and a seven‑day micro‑trial to test clarity and follow‑through. Low‑drama, dignity‑preserving, and immediately usable: guard your reputation by deciding how you’ll handle the small stuff before it becomes character debt. If this matters, subscribe and try one Small‑Bill Standard tomorrow.