Stable, with discipline
Side Hustle, Volatile Cash Flow
Mostly self-employed, with reserves set aside for tax and a deeper-than-usual cash buffer to absorb income volatility.
Higher cash buffer is the right choice given income volatility. Maintain the tax reserve discipline and clear the credit card before raising the investment commitment.
// Snapshot
Net worth
$17,900
Free cash flow
$275/mo
6.3% of net income
Liquidity
2.2 mo
cash ÷ total expenses
Net income
$4,400/mo
Example data — calculated using the same logic as your inputs.