Income is allocated by rule. Lifestyle is funded by plan.

Every income unit splits into Savings, Investment, Giving, and Personal Balance. Monthly spending is planned in advance and funded from the existing Personal Balance Reserve. New income increases the Reserve. It does not increase this month's spending wallet.

• 20%Savings, moved into a savings location.
• 20%Investment, deployed into a chosen instrument.
• 10%Giving, set aside for church and community.
• 50%Personal Balance Reserve, not spendable until a plan is funded.