$
Spending Account
%
Day-to-day purchases and discretionary spending
Bills Account
%
Rent, utilities, subscriptions, and fixed expenses
Emergency Fund
%
3-6 months of expenses for unexpected events
Opportunity Fund
%
Ready cash for investments or business opportunities
Short-Term Savings
%
Goals under 1 year: vacations, electronics, events
Long-Term Savings
%
Goals over 1 year: car, house, education
Seed Money
%
Capital for starting or growing a business
Total: 100%
Allocation Chart
Spending Account
Bills Account
Emergency Fund
Opportunity Fund
Short-Term Savings
Long-Term Savings
Seed Money