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Financial Independence45 minmedium

Know Your Actual Monthly Number

Not a budget. One number: what it genuinely costs to keep your household running for a month.

Worth +8 to Financial

0 / 5 steps

The steps

  1. Step 1

    Add up housing, utilities, food, insurance, transport and debt minimums

  2. Step 2

    Ignore everything discretionary — this is the floor, not the lifestyle

  3. Step 3

    Write the number down somewhere you will see it

  4. Step 4

    Multiply by three and six — that is what runway actually means

  5. Step 5

    Compare it to what is in your emergency account