The ADHD Tax Refund: The 10/10/80 Rule
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The ADHD Tax Refund: The 10/10/80 Rule
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How to Keep Your Tax Refund With ADHD: The 10/10/80 Rule
Vanessa, an ADHD money coach on The Distracted Dollar, explains how a tax refund can trigger impulsive spending through the “free money” mindset, decision fatigue, and FOMO, often leading to an “ADHD tax” where the money disappears without improving life. She proposes using a non-negotiable system instead of willpower, specifically the 10/10/80 rule for windfalls: 10% to give (to capture dopamine positively), 10% to spend guilt-free, and 80% protected for goals. The 80% follows a hierarchy: build a starter emergency buffer first, then tackle the next goal—often high-interest debt. To resist dipping into the 80%, she recommends a “pause button” tactic: talk to yourself in the third person to create cognitive distance. She urges deciding the split, writing it down, and setting transfers before the deposit hits.
00:00 Refund Rush Panic
00:38 Confession and Dopamine Trap
01:21 Name the Triggers
02:41 The ADHD Tax
03:11 The 10 10 80 Rule
03:47 Where the 80% Goes
04:14 Pause Button Technique
05:03 Set Transfers and Wrap Up
#ADHD #ADHDMONEY #ADHDAWARENESS #ADHDBRAIN