Hub-internal · P1P4 · Where does the money go + what does it do
Purpose: Start with total monthly net income at the top, then ADD rows for
every allocation (investments, savings, debt paydown, bills, spending, etc.). The right column
shows running BALANCE remaining = income minus cumulative allocations. Last row's balance = unallocated cushion.
Monthly net income
Default $11,583/mo = $6,696 base net + $4,887 bonus net = ~$139k/yr take-home on $180k OTE ($115k base + $65k bonus, ~77% net via pretax 401k/HSA).
Allocations
#
Amount ($/mo)
Description / Category
Balance remaining →
TOTAL ALLOCATED:
$0
FINAL BALANCE (income − allocated):
$0
Logged scenarios (this device)
No saved scenarios yet.
Action
If final balance is positive → that's your cushion. Useful for "what if I add a $X/mo expense" stress testing.
If final balance is negative → over-allocated; rebalance or reduce allocations.
Pair with Josh Ceiling Buildup card — both work the reallocation question from different angles.
Save scenarios at different allocation mixes (pre-mortgage, post-mortgage at $535k, post-mortgage at $580k) to compare.
Track utilities at $1,000-1,500/mo seasonally; mortgage P&I at ~$3,111 ($535k Conv97 6%) — see Mortgage card for live calc.