Builder To Contributor LLC

The Rule of 3

The "Rule of Three" is used in learning situations with young children, wilderness survival, mathematics, language, and so much more. I want to focus on learning and survival because both of these topics, when looked at from a big picture, also apply to your finances.  You need to learn how to use your money efficiently to pay for things that you need to survive (like I said, big picture).

Rule of Three in survival situations:

  1. You can survive for 3 Minutes without air (oxygen) or in icy water

  2. You can survive for 3 Hours without shelter in a harsh environment (unless in icy water)

  3. You can survive for 3 Days without water (if sheltered from a harsh environment)

  4. You can survive for 3 Weeks without food (if you have water and shelter)

The main point of this set of "Rules of Three" that you need to focus on the most substantial problem first. If the biggest problem is that you can't breathe we need to remedy that immediately.

I hear you asking "How does this apply to Velocity Banking?", I see this applying to Velocity Banking because if you are stuck, living paycheck to paycheck or "drowning" as most of us would call it the first thing we need to do is find places where we can cut to create cash flow or breathing room. If you remember our blogs and videos about Velocity Banking Basics, you would know cashflow (breathing room) is everything.

Next, let's talk about the rule of three when it comes to teaching children (and reteaching ourselves)

  1. Engaging with a topic for the first time. The main point is that whoever is doing the learning needs to be fully attentive - the passive learning that most of us adults have come so used to applying in our daily lives isn't quite enough here.

  2. Practice what you have learned whether this is by demonstrating, writing, or speaking what you've learned - take some time to analyze what you've learned and try to apply it

  3. Retain what you have learned. Three is the minimum number of times the average person needs to engage with something they are learning to ensure comprehension. This does not mean that if it takes you more than three tries that something is wrong, it just means we need to talk about what is going on and the problems you are running into.

Remember to be patient and forgiving with yourself when it comes to your personal finance (and daily activities). Learning a new method to do something you've been managing most of your life is difficult, and sometimes you need to hear it more than once before you are able to remember it, use it, and apply it.  

I also have one more spin on the Rule of Three in the video below - talking about all of the different ways we come across sets of three in our daily lives


God Bless,



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