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VM15 · NEW
Variable Money· For income that changes every month
Live on your floor,
Live on your floor,
not your average.
Stop living on your average. Find the one number you can count on every month, even the slow ones.
Find your floor in 2 minutes →
BEFORETOM · lives on his average$4,058/mo
Months in the red 9 of 12
Lowest point −$2,232
Same pay · 12 months— floor $3,300
$48,700
AFTEREMMA · lives on her floor$3,300/mo
Months in the red 0 of 12
Saved in 12 months$9,100
Math you can check by hand
Real 2026 numbers
A free worksheet with every video
No shame, no get-rich promises
Your before and after· Same $48,700
Same money. Two different lives.
Same pay for 12 months. Drag across a chart to see each month.
BEFORE · THE AVERAGETOM · $4,058 a month
Short month after month.
In the red 9 of 12
Lowest point −$2,232
After 12 months $4
AFTER · THE FLOOREMMA · $3,300 a month
Covered, and growing.
In the red 0 of 12
Lowest point $800
After 12 months $9,100
Jan · month 3 of 12
TOM −$2,232 · EMMA $1,300
The method· Three stepsThree steps to a steady
Three steps to a steady
paycheck.
Tap a card to see it worked out with Emma's numbers.
01 · Floor
Your floor
$3,300Your slowest three months in a row, averaged. You pay yourself this every month.
See how
02 · Buffer
Your buffer
$1,000Money set aside for the months that pay less than your floor.
See how
03 · Two accounts
Two accounts
Every 1stEverything you get paid goes into one. On the 1st, your floor moves to the one you spend from.
See how
Why three months
Free· Floor calculatorFind your floor
Find your floor
in two minutes.
Three quick steps. No sign-up to see your number.
What you get · Emma's example$3,300Your floor: what you can spend every month.
Buffer to keep $1,000
Months in the red at this floor 0 of 12
FAQ· Straight answers
Before you start.
Still unsure? Write to hello@variablemoney.com
What counts as what I got paid?
Everything your work paid you that month, after taxes. Two payments in one month both count in that month.
Is "floor" a real financial term?
Yes. Planners call it an income floor: the money you can count on for the basics. Our part is how to measure it when your pay changes: your slowest three months in a row, averaged.
How many months do I need?
Twelve gives you your real floor. You can start with three: your floor shows up in month 3 and adjusts every month until you have a full year.
Do I need to give you my email?
No. You see your floor first. The email is only for the worksheets.
Is this financial advice?
No. It's education, with math you can check by hand. For your own taxes or investments, talk to a licensed professional.
Free· One email per videoYour after starts
Your after starts
at your floor.
Start with Find Your Floor. Then a free worksheet with every new video.
