Lesson 6: The “Never Zero” Emergency Trick
Being broke is one thing.
Feeling one emergency away from disaster is what destroys your peace.
Enter the Never Zero Envelope:
the tiniest, simplest form of financial self-defense.
How it works
You create ONE envelope.
You mark it “NEVER ZERO.”
You put 2,000–10,000 COP inside.
And…
you don’t touch it.
For anything.
Ever.
Unless it’s real emergency:
- "list-disc list-inside space-y-1 my-3">
- "ml-4 mb-1">Medicine
- "ml-4 mb-1">Transport to safety
- "ml-4 mb-1">Food for a child
- "ml-4 mb-1">A real crisis
Not “vape died.”
Not “cravings.”
Not “someone guilt-tripped you.”
This envelope is a gratitude anchor:
a reminder that you always have something.
Why it works
Because anxiety comes from zero.
Zero means “I have no backup.”
“No backup” means panic.
Panic leads to bad decisions.
Even 2,000 pesos kills the “zero” monster.
Suddenly you breathe again.
⸻
"font-bold text-purple-700 dark:text-purple-300 mb-2">⭐ Activity
"text-gray-700 dark:text-gray-300">
Find an envelope.
Name it “NEVER ZERO.”
Put something—ANYTHING—inside.
"font-bold text-green-700 dark:text-green-300 mb-2">🌱 Micro-Win
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Your brain finally believes you’re safe enough to plan instead of react.
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