Amalia Rowe

Income Floor

THE INCOME FLOOR METHOD · T02

Income Floor

Choose the income level you can realistically plan around.

Use your income history as evidence, then deliberately choose a practical monthly planning reference.

BEFORE YOU START

Your Income Floor is a planning decision.

Your income history gives you useful reference points. Your average, lowest month and highest month can help you understand your range, but none of them automatically becomes your Income Floor.

The goal is not to predict exactly what you will earn next month. The goal is to choose a practical income level that gives you a consistent reference point for planning.

YOUR REFERENCE NUMBERS

Bring forward what you learned in T01.

Enter the key numbers from your Income History snapshot. These are reference points for your decision, not automatic answers.

Your average across the months entered in T01.

$

The lowest monthly income in your T01 history.

$

The highest monthly income in your T01 history.

$

CHOOSE YOUR PLANNING LEVEL

What Income Floor will you plan around?

Choose a monthly amount deliberately. Use your income history and current circumstances to decide what level makes sense as your planning reference.

Enter the monthly income level you want to use for planning.

This number does not need to equal your average or your lowest month. It should be a deliberate planning choice based on the evidence available to you.

$

YOUR PLANNING REFERENCE

Your Income Floor

Chosen Income Floor

—

The monthly income level you chose to plan around.

Reality Check

Enter your reference numbers and chosen Income Floor above, then review your planning reference.

Remember: Your Income Floor is a practical planning reference chosen from your actual income history and current circumstances. It is not automatically your average, lowest month or highest month, and it is not a prediction of future income.

NEXT IN THE METHOD

T03 — Baseline Builder

Now that you have a practical income level to plan around, the next step is to identify the core monthly life requirements that your plan needs to protect.

T03 · BASELINE BUILDER

This tool is provided for educational and informational purposes only. It does not constitute financial, investment, tax, accounting or legal advice. Your Income Floor is a personal planning reference and does not predict or guarantee future income.