Day 2 of 90 · UNDERSTAND · Week 1: Know Your Numbers
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Know Your Income
Understand what actually arrives, not what you are promised.
About 5 minutes
Learn
Gross pay is the headline. Take-home pay is the truth. Taxes, insurance, retirement contributions and other deductions all happen before money reaches you.
Income can also be irregular: overtime, tips, freelance work, bonuses, benefits. Irregular income is not a problem — unmeasured irregular income is.
If your income varies, a useful figure is your typical low month. Planning from your lowest realistic month makes good months feel like progress rather than relief.
Do
Record your reliable monthly take-home income, plus any variable income you receive in a typical month.
Typical low month
$0
Typical total month
$0
Think About It
Is your income steady, seasonal, or unpredictable — and how does that shape your choices?
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