Builds a zero-based monthly budget from take-home income using the 50/30/20 framework with explicit adaptation rules and sinking funds for irregular expenses. Use when someone says "help me make a budget", "I don't know where my money goes", "my spending feels out of control", or after an income cha
Builds a zero-based monthly budget from take-home income using the 50/30/20 framework with explicit adaptation rules and sinking funds for irregular expenses. Use when someone says "help me make a budget", "I don't know where my money goes", "my spending feels out of control", or after an income change or move. Do NOT use for choosing what to fund first across debt, savings, and investing - use fi
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