Must fund
3 categories
- TaxesIncome and sales tax reserve25%
- HousingRent or mortgage20%
- Food and utilitiesCore living15%
Freelancers
Freelancer irregular income
A conservative setup for uneven income, tax reserves, and separating business-adjacent costs.
Fund taxes and essentials first, then distribute variable surplus only after the month is safe.
60%
Work
3 categories
- SoftwareTools and subscriptions5%
- Professional servicesAccounting, legal5%
- EquipmentReplacement fund5%
Stability
3 categories
- BufferSlow-month reserve15%
- RetirementLong-term savings5%
- LifestyleFlexible spending5%