Dollars and Diagrams

Budgeting & Saving on a Variable Income 2.0


Note that the “base budget” for this family is $9k. Above I provide a practical example of the ebbs & flows of income and how to use your emergency fund to supplement during the down months. For example, in the first month, we have an income of $7k. We would take $2k from our emergency fund to supplement our income.

Where does the surplus go?

Refer to your 1-Page Financial Plan. For best success, automate as much of the net worth-building process as possible!


Information in this material is for general information only and not intended as investment, tax, or legal advice. Please consult the appropriate professionals for specific information regarding your individual situation prior to making any financial decision.

Note: Continue to track your trailing 12 months income and make adjustments as needed to prevent a long-term deficit from occurring.

LPL Tracking #1-05132413


College Planning

Disability Insurance

Estate Planning



Life Insurance

Retirement Funding

Roth IRA


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graphic 10 actions to take

10 Actions To Take 10 Years Before Retirement

In this paper we discuss 10 actions you should take to develop and deploy a successful long-term wealth plan. It will help you make decisions about your financial journey today and well into your retirement chapter.

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