Savings
The Income Floor Method
Why the "save 20% of everything" rule breaks when your income swings by 3x month to month — and the floor-based system that replaces it.
Read the article →For freelancers & irregular income
The Freelance Floor is a small, focused publication about saving, taxes, and cash flow for people whose paycheck isn't the same size twice. No generic "pay yourself first" platitudes — just systems built for income that moves.
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Savings
Why the "save 20% of everything" rule breaks when your income swings by 3x month to month — and the floor-based system that replaces it.
Read the article →Emergency fund
The generic "3 to 6 months" rule wasn't written for freelancers. Here's how to size yours to your real income volatility.
Read the article →Taxes
A simple, repeatable system for setting aside tax money as it comes in, so quarterly deadlines stop being a surprise.
Read the article →The approach
Irregular income punishes "just be disciplined" advice. We build rules that work automatically, even in a slow month.
Averages lie when income is volatile. Fixed costs get sized to your worst realistic month, not your best one.
Taxes, savings, and business costs move to their own accounts the moment income lands — never at the end of the month.
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