Days 68–71 of 90 · EXPAND · Week 10: Turn Income Into Capacity
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What Happens When Income Rises
Understand the default outcome.
About 23 minutes
Learn
Without a decision, most income increases are absorbed into daily spending within a few months.
This is not weakness. It is the natural result of a higher balance and no pre-made plan.
Deciding in advance is what converts a raise into capacity.
Do
Recall your last income increase and where it went.
Reflect
Where did your last raise actually go?
Day 69
Lifestyle Inflation, Plainly
Understand it without judgement.
Learn
Lifestyle inflation is simply spending rising alongside income. Some of it is entirely reasonable — better housing, better food, more care.
It becomes a problem only when it is total: when every increase disappears and options never improve.
The aim is a chosen split, not zero lifestyle improvement.
Do
Write down one lifestyle upgrade that has genuinely been worth it.
Reflect
Which upgrades in your life have earned their cost?
Day 70
The Allocation Decision
Decide the split before the money arrives.
Learn
A pre-decided split across savings, debt, investing, goals and lifestyle removes the hardest moment — the first month of higher pay.
Including lifestyle in the split is what makes it sustainable.
The split can differ from your existing monthly allocation; this is new money.
Do
Enter your current income and potential increase in the tool below.
Income after increase
$0
Allocated
0%
Unallocated
100%
Some lifestyle improvement is reasonable. The aim is a split you chose, not zero enjoyment.
Reflect
What increase are you realistically planning for?
Day 71
Allocate the Increase
Assign every dollar of new income.
Learn
Use the same discipline as Week 3: every part of the increase gets a job.
If the split exceeds one hundred percent, the tool will tell you before real life does.
Revisit this whenever income changes.
Do
Complete your increase allocation below.
Income after increase
$0
Allocated
0%
Unallocated
100%
Some lifestyle improvement is reasonable. The aim is a split you chose, not zero enjoyment.
Reflect
Which share surprised you when you saw it as a dollar figure?
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