Direct money to what matters.
Give every expected dollar a job before it arrives, savings, debt, investing, or giving, then spend what's left with a clear conscience. Priorities are funded first, not from whatever happens to be left over.
Assign every dollar, first.
Set each pool in percentages or fixed amounts. Prosperity assigns the full paycheck the moment it lands, so savings and debt come off the top, everyday spending is simply what remains.
Change a pool anytime; the rest rebalances so the plan always adds up to one hundred percent of what you expect to earn.
- Percentages or amounts, whichever you think in.
- Priorities funded before everyday spending, every time.
- Giving is a first-class pool, optional and off until you turn it on.
Flexible, honest limits.
A budget should be a guide, not a cage. Every category shows where it stands with a plain word, on track, near limit, or over, paired with a color, never color alone.
Underspend rolls into next month instead of vanishing, so a careful week is rewarded rather than erased.
- Status is a word and a color, readable without relying on hue.
- Rollover carries unspent room forward, honestly tracked.
- Over-limit is shown plainly, never quietly hidden.
On track, at risk, or done.
Goals tell you the truth about pace, whether today's contribution keeps you on schedule, and treat debt honestly: high-interest balances first, low-interest ones without alarm.
- Statuses are words and colors: on track, at risk, completed.
- Pace vs. required contribution, so “at risk” comes with a number.
- Debt framed honestly, tackle toxic high-interest first, no shame on productive debt.
- A giving goal is welcome, entirely optional, and never scored.
Giving is a first-class pool if you want it, optional, off by default, and never scored into your FinanceScore. It's yours to choose, and it stays out of the number entirely.
