THE INCOME FLOOR METHOD
Reader Toolkit
Practical tools to help you keep using the system after you finish the workbook.
The toolkit is designed to work alongside the workbook, using the same language, sequence and decision system.
YOUR COMPANION TOOLS
Use the method with your own numbers.
These resources are designed to make the system easier to repeat in real life. Use them alongside the workbook or return whenever your income, spending or priorities change.
READER TOOLKIT
Your Income Floor tools.
Use these companion resources to calculate, plan and review the key parts of your personal Income Floor system.
T01
Income History
Review how your income has behaved over time.
T02
Income Floor
Choose the practical income level you plan around.
T03
Baseline Builder
Calculate what your core monthly life requires.
T04
Buffer Planner
Build a personal strategy for handling income fluctuations.
T05
Money Arrives
Decide what incoming money needs to do first.
T06
Safe-to-Spend
Work out what is genuinely available to spend.
T07
Strong Month
Create rules for months when more money arrives.
T08
Weak Month
Create a plan for months when income falls short.
T09
Monthly Review
Review what happened and prepare for the next month.
T10
Quarterly Reset
Reassess your numbers, rules and priorities.
T11
My Income Floor System
Bring the complete method together in one personal reference.
HOW TO USE IT
The workbook teaches the method. These tools help you repeat it.
01
Work through the workbook
Understand each part of the Income Floor Method.
02
Use the matching tool
Apply the concept using your own numbers.
03
Return when things change
Update your system when income, expenses or priorities change.
THE METHOD
Eight steps. One repeatable system.
01 — KNOW
Know
Understand how your income actually behaves.
02 — FLOOR
Floor
Choose a practical income level to plan around.
03 — BASELINE
Baseline
Understand what your core monthly life requires.
04 — BUFFER
Buffer
Build protection against income fluctuations.
05 — ALLOCATE
Allocate
Give incoming money a job.
06 — SPEND
Spend
Know what is genuinely available to spend.
07 — ADAPT
Adapt
Handle strong and weak months deliberately.
08 — REVIEW
Review
Learn, adjust and repeat.
The Income Floor Method and the resources on this page are provided for educational and informational purposes only. They do not constitute financial, investment, tax, accounting or legal advice. Individual circumstances vary, and professional advice may be appropriate for your situation.