Money OS — live plan

Real numbers, not fake percentages. This is a full month once everything's running (both incomes, house, twins, maid). Living is your actual itemized costs; Wealth is simply what's left after taxes, living, fun and the one-offs set-aside. Only two things are choices: the tax % and the Fun cap — and Fun is the hard line every splurge comes out of.

Each line has a start and stop so costs step up at the right time — old rent/car end at the August move, the house, lease, twins and maid begin when they begin. Edit any amount, rename, or add your own.

Green + teal is money in (Robert + wife); the stacked bar is money out. From Nov '26 the teal cap appears — your wife's ~$2.2k/mo indemnity (tax-free, runs 2 years). When money-in is shorter than money-out (June, the August move, October twins) that month runs a deficit covered by your catch-up cash. Hover any bar for the breakdown.

Above the line = what you've built up: the emergency floor fills first (green), then investments stack on top (purple), dipping when a big one-off hits. Below the line = what you spend that month. Top and bottom use their own scale — the savings total dwarfs any single month's spend — so think of it as two stories sharing one zero line. Hover for amounts.

Each month, in order: reserve tax, pay living, take your fun, pay any one-offs — then the leftover fills the $20k emergency floor first, gets held as cash when a big bill is coming next month, and only becomes investing once the floor's full and no spike is near.