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For income that changes every month

Live on your floor, not your average.

Contractors, agents, consultants, anyone paid by the job or by commission: there is one number you can budget to every month, even the bad ones. Find yours in two minutes.

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Free, no sign-up to see it Math you can check by hand
TOM · SPENDS$8,000his average
EMMA · SPENDS$4,967her floor
Same deposits, two people

Watch two years of the same money.

24 MONTHS OF DEPOSITSOne bar per month
TOM
EMMA
below $0 that monthstill had money
01

Tom and Emma get the exact same deposits.

Twenty-four months, from $2,400 to $18,200. They add up to .

02

That is a month on average. Tom spends exactly that.

It feels responsible. It is the number most budgeting advice would give him.

03

Tom is below $0 in of 24 months.

His worst point is . The average was never wrong. It just shows up all at once, months later.

04

Emma spends her floor: .

Her floor is the lowest three-month average in her record. Same deposits, a different number to live on.

05

Emma is below $0 once.

Month 1, by . After that her buffer, , covers every bad stretch, and what's left over keeps growing.

Try it · Same deposits

Now you pick the number.

Drag to choose what Tom and Emma's deposits have to pay for each month. Watch how many months end below zero.

SPENDING EVERY MONTH
$8,000
MONTHS BELOW $0
LOWEST BALANCE

Free · Floor calculator

Find your floor in two minutes.

Three quick steps. You see your number before we ask for anything.

Step 1 of 3
The method

Three words. The same in every video.

No app to learn and no categories to track. The same three moves work for a truck, a house, a card or your first investment.

01 · floor

Your floor

The lowest three-month average in your record. It is the salary you pay yourself every month, good month or bad.

Emma's 24 months. The light bars are her lowest three months; their average is the floor line.
02 · buffer

Your buffer

Your worst run of months below the floor, with the missing money added up. It pays you when a client pays late.

03 · two accounts

Two accounts

Every deposit lands in one account. Once a month you move your floor to the one you live from.

  1. 1Every deposit goes to Income.
  2. 2On the 1st, move to Spending.
  3. 3What's left fills the Buffer up to .
Latest videos

The real math, one story at a time.

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The two people in every story

Tom makes the mistake. Emma shows the way out.

Tom, thinking

TOM

Spends like every month is an average month, the mistake almost everyone makes. You see his whole math before the fix, so nobody has to feel bad.

Emma, confident

EMMA

The friend one step ahead. She lives on her floor, keeps a buffer and runs two accounts. Her example comes solved on every worksheet.

Math you can checkEvery number adds up by hand.
Real 2026 numbersSources in every description.
No shameTom makes the mistakes for you.
No get-rich promisesA number to live on and a plan.
Free · Worksheets

One page per video. Yours to fill in.

Each one takes the math of its video and runs it with your numbers. Emma's example comes solved, and Tom shows the trap.

VM14

Your 10-Year Head Start

What starting now is worth by 65, at 5% and at 7%.

Get it free →
VM13

The Truck Your Floor Can Carry

The payment your floor allows, before a dealer tells you one.

Get it free →
VM12

Find Your Line

How much to invest without ever selling in a bad month.

Get it free →
Questions

Before you start.

What counts as a deposit?

Everything that landed in your account from your work that month, before you moved anything out. If a client paid twice in one month, both payments count in that month.

What if I only have a few months of history?

Three months is enough to get a floor. Twelve is better, and twenty-four catches the slow seasons. You can update it any time.

Do I need to give you my email?

No. The calculator shows your floor first. The email is only if you want the worksheet and the plan sent to you.

Is this financial advice?

No. It is education with examples you can check by hand. For decisions about your own taxes or investments, talk to a licensed professional.

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