You’ve Found It: The Complete System to Save More Money Every Month

What if you had enough money each month to save more for the future AND give back more?

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Do you want to save more without working more?
Or would you like to work less while still saving enough?
Then this message is for you.

I'm Joseph Clampitt, astrophysicist, self-employed investor, and the owner of

I’ve doubled my income 5 times over the last 10 years. Ten years ago, I could not imagine the level of freedom and control over my life that I have now. I spend 90% of my time on the work and other activities that are most meaningful to me.

Can you guess the #1 and #2 most important habits that helped me turn job and money stress into financial freedom?

Consistent saving and giving

If you want financial stability and confidence
If you want to stop worrying about the future and start enjoying the present…
…these are the two things you
MUST start to do: SAVE and GIVE.

In fact, let’s get more specific…how much is enough?

Q1. How many $$$ per month should I put into savings, and how much should I give back?
Ok, you understand that’s not the right question. Everyone’s situation is different, so there is no one-size-fits all guideline. Instead…

Q2. What percentage of my monthly income should I save and give?
This is where it gets confusing…but also liberating…

Because, once again, there is no one-size-fits-all answer. There is no magic percentage that will guarantee you are saving or giving “enough.”

Financial peace and clarity begins when you realize your situation is unique.

Arbitrary goals and percentages multiply feelings of anxiety and guilt about money.

Why is an Astrophysics PhD talking about money?

If you Google “Joseph Clampitt,” you WILL NOT find my name connected to any business schools.

You will find my Ivy League PhD and 20 other physics publications. You might find out that I’ve given physics talks on 4 continents.

Long before I had any professional success as a physicist or investor, I was saving and giving.

These disciplines were foundational to the exponential income growth that I experienced later.

As Dave Ramsey says in The Total Money Makeover: “I used the principles I teach to personally build wealth…the things we teach are not theory—they work!”

If you are looking for someone with MBA or CFP after their name, that’s not me.

I’m not going to teach you about Roth IRAs, 401(k)s, or tell you how to pick stocks.

I AM going to explain in excruciating detail the systems and methods that work for me. These are the same methods that allow me to save and give more, year after year after year.

The 4-Letter D-Word

I assume you follow Dave Ramsey and understand the problems with d***.

You have mostly stayed away from d***. You are not deep in credit card d***. You have a mortgage or car payment, but otherwise you’re avoiding d***. And you are already saving and giving at some level.

But financial peace?

You’re not there yet.

You want to save enough for the future. And you want to give back some of your “extra” money. But it hurts. That “extra” is never quite enough, is it?

You have real, legitimate needs. You need shelter, and that means paying rent or a mortgage. You need food, and that means grocery bills. You need clothing, electricity, running water, gasoline, and insurance.

It all adds up, and we haven’t even gotten to legitimate wants yet.

So how do you save and give more when it feels like your budget has zero wiggle-room?

Are you on the Saving and Slaving Financial Plan?

We all get into saving and giving money because it’s the Christian thing to do, right?

The Puritan work-ethic and frugal living are part of our culture. Do Christians get some kind of prize for whoever:

  • works the most overtime
  • eats beans & rice the most days in a row
  • leaves the smallest tips (on the rare occasion that we eat out)?

No, but sometimes it feels that way.

What is the business model for Christian social media influencers? (Or radio talk show hosts?)

They motivate you to save and work hard. Good stuff, usually…but sometimes the reality of scrimping and slaving for every penny can be pretty terrible.

If you’re really good at it, say in the top 10%, you can pull it off with willpower alone. You’ll retire with a solid nest egg. You’ll be able to take care of yourself in retirement. You might even be able to leave an inheritance for your children and your children’s children.

But most of us don’t have superhuman willpower. There is something within us that resists too many years (decades?) of deprivation.

Good news: it doesn't have to be this way.

"all was vanity and a striving after the wind"

Then I considered all that my hands had done and the toil I had expended in doing it, and behold, all was vanity and a striving after wind, and there was nothing to be gained under the sun. (Ecclesiastes 2:11)

Ambition and Self-Discipline Gone Wrong

Everything I described above, that used to be me. I lived in a big city on a small graduate student stipend. I was paying $4 for a loaf of bread and $600 to rent a tiny studio apartment…in 2009! Way before the inflation of the 2020s.

My typical meals were rice & beans, beans & cornbread, eggs & toast, and turkey sandwiches. Splurging at the grocery store meant Value-Pack frozen salmon from Aldi’s.

Restaurants? No, not in Philly…but once a week I’d treat myself to a sandwich from a food truck.

Work schedule?

For a few years I worked 60-70 hour weeks. My typical Sunday “sabbath” involved cutting down to 4-6 hours of work. That doesn’t count the stuff my frenetic mind was working on while sitting in a pew “listening” to a sermon or “worshipping.” My mouth would sing the words but my mind and heart were somewhere else.

I had the budgeting and hard work stuff down cold. I stayed debt-free. I came close to maxing out my Roth IRA contributions almost every year. I managed to scrape together enough money to save 15% and give 10% every year.

But I never felt satisfied. And the lifestyle required to hit those targets was not sustainable.

Throwing Out the Rules

I started asking some questions. Does it make sense to rigidly follow these rules? Rules developed by people who don’t share my income, cost of living, or family situation?

This transformation was much deeper than you expect. Because I didn’t replace the old rules with new ones. Instead, I quit…

…rigidly following financial rules
judging myself
…feeling more righteous than others
…being hyper-controlling with my money
seeking perfection with every budget item

I immediately felt less stress and anxiety,
less tension in my body,
and less compulsion to overwork.

I started spending more money on things I enjoyed. I stopped working overtime. Immediately my present quality of life went up, and I started enjoying life again.

A funny thing happens when you make a change like this. You don’t lose your drive or determination.

It just lies dormant for a season. And before you know it, it comes back. Stronger than ever.

When that happened, I set two new rules for myself:

  1. Keep careful track of what I save and give.
  2. Over time, increase how much I save and give.

Those two rules have been life-giving. Follow those two rules long enough and you can surpass ALL the arbitrary percentages. (For example, save 15% and give 10%.)

Each one must give as he has decided in his heart.

the apostle Paul

2 corinthians 9:5-7

So I thought it necessary to urge the brothers to go on ahead to you and arrange in advance for the gift you have promised, so that it may be ready as a willing gift, not as an exaction. The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully. Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.

Have You Already Tried Christian Financial Programs?

Mixing some Bible verses with practical money info doesn’t lead to automatic success. Plenty of Christians go through programs like that with minimal results. Others have success getting out of debt but never achieve financial independence.

What I’m talking about isn’t the old way of trying to force together biblical and money principles.

It’s combining faith and finances using a very specific recipe. There are 3 main pieces to this that I’ll explain below. I also combine them in a purposeful order.

Don’t just try things with a hope and a prayer. That doesn’t work. But you can accomplish more than you ever dreamed if you…

remove your emotional and spiritual barriers,
set up the (easy) tech systems for saving and giving,
and create a long-term income plan tuned to your unique gifts.

God created the world, and human beings, to function within certain economic principles. I will show you how to use those principles to your advantage.

Keep reading to discover the elements of my recipe for financial freedom.


Exodus 23:10–12

For six years you shall sow your land and gather in its yield, but the seventh year you shall let it rest and lie fallow, that the poor of your people may eat; and what they leave the beasts of the field may eat. You shall do likewise with your vineyard, and with your olive orchard. “Six days you shall do your work, but on the seventh day you shall rest; that your ox and your donkey may have rest, and the son of your servant woman, and the alien, may be refreshed.


Matthew 6:24–25

No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money. “Therefore I tell you, do not be anxious about your life, what you will eat or what you will drink, nor about your body, what you will put on. Is not life more than food, and the body more than clothing?

The Bible is the Best Source of Financial Knowledge and Wisdom

What are the advantages of turning to the Bible as our primary source of financial truth?

Peace and Joy

The purpose of the Bible is not to help you become rich. It’s much more about developing love, joy, peace, and patience. Becoming more like Jesus. Isn’t that worth infinitely more than any amount of money? When the Bible is our touchstone for financial truth, we reduce the risk of ending up like Scrooge. A rich person who has no depth, no substance, and no peace.

Treasure in Heaven

Investing for retirement is a good thing. It requires planning, foresight, and deferring pleasure for a better future. But at most, retirement will last, what, 30-50 years? Imagine taking the same mindset and applying it to eternity. Forever. Isn’t that worth much more effort in planning and deferring pleasure?

God Created Everything

The root cause of my financial problems is in my own mind, emotions, and spirit. God designed all that stuff. He knows how it works. He knows what makes you and me tick. He designed this world and its economic principles. As soon as I align my beliefs and actions with those principles, everything gets easier.

Transcending Culture

Our first-world church culture has many hangups and misconceptions about money. So does the surrounding secular culture. Studying the Bible helps us move past BOTH sets of cultural distortions closer to the truth.


The wisdom contained in the Bible has stood the test of time. The most recent parts of it were written almost 2,000 years ago. Old ideas are WAY MORE reliable than new ones. If you disagree, we can part ways right now. Follow the advice of some teenage financial gurus on TikTok and see how that works out.

Why Should I Care About Saving Money?

But if I follow the Bible, shouldn't I stop caring about money? No, no, no.

Better Yourself

I’m not saying you should set the goal of being a millionaire. That’s often an inappropriate, even wicked goal. But seeking to improve your current circumstances is admirable. To provide a better life for yourself and your people. It’s even possible to have that desire while remaining grateful for what you already have.

Less Stress

When you have a motivating plan for saving and giving, you won’t stress over every dollar. Better health, more free time, and more peace. And maybe the most important is more time for the activities you find truly meaningful. This is just one way that money can buy you something truly valuable.

More Freedom

As long as you keep your priorities straight (you serve God, money serves you) then more money gives you options. It frees up your time because you can hire others to do work that is not in your skillset. This allows you to spend more time using your gifts to bless the world in the biggest ways.

The Bible is Great… But…

So, we love the Bible and we’re interested in saving and giving more. Great. But sometimes it all goes wrong.

It’s easy to find people who did their best to follow the Bible and ended up poor and destitute. Worse, they ended up bitter and frustrated because that check they sent to the televangelist did not come back multiplied by 10x.

It’s possible to go about this Christian personal finance thing completely wrong. Let’s look at some of the typical problems.

Spiritual and Emotional Barriers

Your subconscious is full of landmines. You try hard to improve your situation. But emotional and spiritual baggage leads to continuous self-sabotage. Worst of all, most of the time you aren’t even aware of it. It feels like outward circumstances defeat you. But the true enemy is within.

Do you ever...

  • Fear that you aren’t saving enough?
  • Have no idea how close you are to retirement?
  • Avoid checking your investments because it’s stressful?
  • Lie awake at night, worrying about money or retirement?
  • Feel guilt-tripped into giving or saving a certain percentage of income?
  • Get stressed about taking risks, even necessary ones?
  • Work to the point of burnout without knowing why?

The Prosperity Gospel

The main results of the true gospel are (1) restoration of relationship with God and (2) building Christlike character. These are staggering benefits, and it shouldn't surprise us that they lead to a domino effect where the whole person is transformed.

This often leads to relational, financial, even physical (health) breakthroughs.

But "often" is not the same as "always." According to the prosperity gospel, if you have faith, God must bless you with health and wealth. Even worse, it confuses those side-benefits with humanity's real, deepest need: restoration of our broken relationship with God.

The prosperity gospel treats God like a magic money machine. Insert $10, out comes $100. This isn’t how the world works. This mindset ignores the economic principles that God himself designed into the world.

The Poverty Gospel

There is an opposite but equally harmful mistake. Some Christians assume all suffering is good and praiseworthy. They think deprivation, poverty, and poor health have intrinsic spiritual value.

Again, there is a grain of truth here. Suffering at the right time, for the right thing, has redemptive power. “For the joy set before him, Jesus endured the cross, scorning its shame.”

There is good, wholesome, redemptive suffering.

There is also pointless, stupid suffering.

We must discern the difference. A prosperity gospel believer criticizes John the Baptist for fasting. A poverty gospel believer slanders Jesus for feasting. (And a deeply troubled person does both!)

All of these mindsets are flawed.

With Save More Forever the Path Forward Is Clear

With Save More Forever, I’m teaching my entire system for sustainable saving and giving.

We cover every ingredient you need to get it right and avoid the common mistakes discussed above. The 3 main pieces are:

1. The Complete Spiritual Inventory

Everything you need to identify, remove, and replace limiting beliefs and attitudes about saving and giving.

2. The Simple Tech System

Everything you need to easily automate and motivate a regular practice of saving and giving.

3. The Breakthrough Strategies

Everything you need to generate breakthroughs in creativity and income. This adds rocket fuel to the saving and giving you’re already doing.

This course isn’t something I made up in a day. I don’t explain strategies and then leave you struggling to implement them. I walk through everything you need in excruciating detail. You just need to commit to watching the videos and following along on the exercises.

I’ve been sharpening this system for years. Over time I’ve removed pieces that were unnecessary. And I’ve slowly added new systems and methods as they proved themselves.

I’ll tell you more about exactly what you get in the course, but first I want to explain something…

What Save More Forever is NOT

Let’s set realistic expectations for the course.

Save More Forever is Not a “Retire Early” Plan

This course is not a FIRE (Financial Independence Retire Early) Plan. There are a few tricks here that can lead to a rapid increase in savings, but it’s not the main goal. Most quick, easy strategies don’t work for the long term. This one requires time and effort from you.

Don’t sign up to watch the videos thinking that you will passively absorb something useful. Buying this course does not guarantee you will increase your assets or capacity to give. You have to do the real work of applying the exercises and systems that I will describe.

Save More Forever is Not an Info “Dump Truck”

This course is not about pure information or long lectures. It focuses on concrete examples and tutorials (I literally filmed myself going through the steps so it's clear EXACTLY what you need to do). There are also some short videos explaining the basic principles.

Save More Forever Does Not Cover Financial Laws or Account Structures

If you are looking for country-specific laws or account structures, this course is not for you. Every country has its own types of retirement accounts, for example. If that kind of guidance is what you need, speak to a legal, tax, or investment professional in your country.

This course teaches you fundamentals of savings and income that go back thousands of years. These fundamentals are based on how the world and human beings have always functioned. This is more important than tips or tricks for “gaming the system.”

The Save More Recipe:
Spiritual Stuff + Tech + Breakthrough

The first two modules, Spiritual Stuff + Tech, provide the foundation. These are enough to begin a lifelong, abundant practice of saving and giving. These modules are doable for 100% of people who commit to the system. If you try them and decide this system is not right for you, we offer a 30 day no-questions-asked refund policy.

The Breakthrough module is more advanced material, not for the faint-of-heart. No guarantees here. This stuff worked for me, but the results I mentioned at the top of this page are not typical or expected.

Focusing on breakthroughs without the other pieces is a recipe for frustration. Here’s why the formula is Spiritual Stuff + Tech + Breakthrough:

  • We start with the Spiritual Stuff because it’s necessary to clear the ground. You wouldn’t try to plant a crop in poor soil full of rocks and other obstacles. Planting, watering, and harvesting would be painfully slow. Remove limiting beliefs and patterns first. Then apply the strategies in the rest of the course for maximum impact.
  • Then you need a solid Tech system that actually motivates you to do the right thing. Banks, credit cards, and other financial “services” have online tech systems designed to juice their bottom line, not yours. I show you exactly how I pay bills, transfer money, and give online.
  • Finally, take your financial growth to the next level in the Breakthrough section. I walk you through my templates and systems for generating income ideas. We also get into the details of the economic system laid out in the Mosaic law. Understanding this system naturally leads to generous giving.

What You Get When You Sign Up

$ 200

$   99   Launch Price

  • The Complete 3-Module Course
  • ALL Template Spreadsheets and PDFs
  • 30 Day Money-Back Guarantee
  • Q&A Within Each Lesson
  • Real-Life Exercises
  • Lifetime Access

What You'll Learn in the Course

1. The Romans 12 Checklist

Learn to identify limiting financial beliefs, let go of them, and replace them with Biblical affirmations and mindsets.

2. The (Mental) Debt Snowball

Every belief that is not acted upon produces psychological debt. Begin aligning your actions with your beliefs to build unstoppable momentum.

3. The Sustainable WERC Schedule

How do you achieve work-life balance? How do you incorporate rest and renewal to take your creativity to the next level? By following the Sustainable WERC Schedule.

4. The Proverbs 27 Principle

The modern financial world is designed to prevent you from following this Biblical principle. If I had to condense the Save More Forever course into one principle, this would be it.

5. Simple Asset Tracking (SAT)

What gets measured gets improved. You can’t remain ignorant of your own financial picture and expect it to get better. This is my system for forcing yourself to pay attention to all your financial accounts.

6. The Simple Saving Method

I lay out exactly how to set up your bill payment and other online systems so that you are in control. This provides constant motivation and momentum for saving, every single month.

7. The Giving First Approach

How to evaluate your giving and set immediate, short term, and long term goals. Build on the motivation and momentum you started in the previous step.

8. The Investing Hierarchy

Basic principles for evaluating investments and side-hustles to prioritize learning and skill. Improving your skill and knowledge is the only reliable way to minimize risk.

9. The Income Growth Template

My system for making specific income growth plans. Validate them with small bets and use time and money checkpoints to periodically reevaluate your plans.

10. Biblical Economics 101

God outlined a brilliant financial system in the Mosaic Law. If modern nations followed it, our biggest systemic financial problems would disappear overnight.

11. The 3x Giving Breakthrough

What’s the biggest check you’ve ever written? Can you write one that’s 3x bigger today? We show you how.


"...easy to understand and put into action."

Joseph is great at taking complex financial concepts and explaining them in a way that is easy to understand and put into action.

JW Fansler

"...revealed the areas I was neglecting or mismanaging."

Joseph helped me first to visualize my assets and liabilities (literally), and that quickly revealed the areas I was neglecting or mismanaging so we could get a better system in place.

Casey Fish

More About Joseph

Joseph Clampitt holds a PhD in Physics and Astronomy and has coauthored over 20 physics papers. He has taught Ivy League physics courses, mentored PhD students, and spoken in North America, Europe, Japan, and Australia. For the past 6 years he has worked as self-employed investor.

"Early on, my parents took me to a Financial Peace University class at a local church. Thanks to their example and the principles in Dave Ramsey's course, I began building a solid financial foundation in my 20s. When I got my first steady paycheck I already had a plan for every dollar.

"Shortly after I turned 30, my investment income surpassed my salary from working as a Physics researcher. At that point I quit my job to focus on building my own business. After about 5 years I had built a system that was mostly passive and worked great for me.

"Wouldn't you know it...about that time making money started to feel kind of boring and meaningless. After processing my feelings with a life coach, I realized the lack of meaning was a signal that it was time to move on. Through the Save More Forever course I want to pass on to you my system. I will show you how to approach money, work, and giving in a Biblical way that leads to peace and joy. I hope you'll join me for this transformative journey."


Can I take the course at my own pace?

Yes. You can complete the lessons anytime and in any order. When you sign up you get lifetime access to the course.

can i ask questions during the course?

Each lesson has a comment section where you can ask questions. We regularly check for comments and questions and will do our best to get you a timely reply.

Will this course help me if I'm in debt?

That depends. If you are deeply in debt and struggling to make any headway, you'd probably be better off going through Dave Ramsey's program. I've never dealt with crippling debt and am probably not the best guide out of it. Consider coming back to take the Save More Forever course after you complete Dave Ramsey's Baby Step 2.

What if I'm not a Christian?

That's ok. You may not agree with everything, especially in Module 1. You will still be able to apply Modules 2 & 3 and start saving more for the future.

You are probably influenced by the Christian culture and worldview more than you expect. Especially if you grew up in the west, for example, anywhere in the USA or Europe. So the material in Module 1 may be more relevant than you imagine.