This episode opens the Control pillar with Dr. Sheikh's four quarter method for distributing income. Income is split into four equal parts, one each for housing, living expenses, short-term goals, and investing, so that 25 percent goes toward investing. She explains that being far off these proportions, such as housing consuming 60 to 70 percent, is a signal to either adjust spending or increase income. She stresses that the 25 percent investing portion is the one to protect above all, because consistent investing at that level puts you in the elite wealth builder category. To make it automatic, she describes a six-account bank system with one checking account, one savings account for the emergency fund, and four sub-accounts matching the four quarters.