Hacking Habits | Dragos Roua
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Hacking Habits The App

Flowing financial resilience

Download on the App Store

Everything on this page—the gravitational habits framework, the 15-day formation timeline, the ADD methodology—is now an app. Hacking Habits turns these ideas into a daily practice. The Life Hours Calculator reframes every purchase as time cost. The 15-day habit installer walks you through building each financial habit with daily guidance and checkpoints. Five meters on your dashboard show net worth, burn rate, hourly rate, savings goals, and more—all without connecting a single bank account.

Privacy-first by design. Your financial data never leaves your device. Works in any country, any currency. Companion to Gravitational Habits for Financial Resilience, but fully standalone.

Hacking Habits - Life Hours Calculator Hacking Habits - 15-Day Habit Installer Hacking Habits - Five Meters Dashboard

Life Hours Calculator

Enter any purchase amount, see how many hours of your life it costs. Pause impulsive purchases with a 24-hour timer.

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15-Day Habit Installer

Structured daily guidance, progress bars, and checkpoint evaluations. Install one financial habit at a time, in 15 days.

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Five Meters Dashboard

Net worth, burn rate, hourly rate, savings goals—your financial vital signs at a glance. Morning check-in keeps you grounded.

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Assess-Decide-Do

The ADD framework from the posts below, built into every tool. Observe before acting, choose clearly, execute without second-guessing.

Simple Pricing

Free

  • Life Hours Calculator (unlimited)
  • 3 Jumpstart Habits
  • ADD Diagnostic
  • Net Worth Tracker
  • Burn Rate Calculator
  • Five Meters Dashboard

Premium

  • Everything in Free
  • All Core + Extended Habits
  • Sunday Planning Sessions
  • 90-Day Transformation Journey
  • Savings Goals & Debt Strategy
  • No ads
Use code GRAVITY for 50% off Lifetime purchase

The Framework: Posts on Habit Science

Foundation

Gravitational Habits

Habits aren't just behaviors—they're gravitational forces. Some pull you toward growth, others anchor you to the past. Understanding this invisible architecture is the first step to intentional change.

Key insight: "Habits operate like gravity—invisible, constant, and powerful enough to shape your entire trajectory"
Architecture

Reusable Habits

Not all habits are created equal. Some habits, when built right, automatically generate other positive behaviors. These are the force multipliers worth investing in.

Key insight: "The best habits are templates that transfer across contexts—build one, get many"
Integration

A Good Habit Is An Invisible Habit

When a habit truly works, it disappears. You stop noticing it because it's become part of your operating system. Invisibility is the goal, not a side effect.

Key insight: "The best habits run in the background—invisible infrastructure supporting everything else"
Quality

Healthy And Unhealthy Routines

Not all routines serve you. Some create stability, others create rigidity. Understanding the difference between healthy structure and unhealthy compulsion matters.

Key insight: "Healthy routines adapt to reality; unhealthy ones demand reality adapt to them"
Formation

100 Ways To Live A Better Life – 3. Create A New Habit

Creating a new habit isn't about willpower—it's about architecture. The right structure makes adoption inevitable, the wrong one guarantees failure regardless of motivation.

Key insight: "Habit formation succeeds or fails in the design phase, not the execution phase"
Optimization

100 Ways To Live A Better Life – 79. Break A Bad Habit

Breaking bad habits is harder than building good ones—but only if you fight them directly. The key is understanding what function the bad habit serves, then replacing it with something better.

Key insight: "You can't eliminate a bad habit, only replace it with a better alternative that serves the same need"
Anti-patterns

My Top 7 Demotivating Habits

Some habits don't just fail to help—they actively undermine everything else. Recognizing and eliminating these destructive patterns creates more progress than adding new positive ones.

Key insight: "Subtracting bad habits often yields more results than adding good ones"
Timeline

How To Create A Habit In 15 Days

Forget the 21-day myth. Real habit formation follows a different timeline. Fifteen days of deliberate practice, structured correctly, can establish lasting behavioral change.

Key insight: "15 days of focused repetition beats 30 days of casual attempts every time"
Application

5 Financial Habits Enforced By Playing CashFlow

Financial habits are behavioral habits in disguise. The Cashflow board game accidentally teaches what most financial education misses—how money habits actually form through repetition.

Key insight: "Games reveal habit patterns faster than lectures—play exposes what theory hides"