Days 72–74 of 90 · EXPAND · Week 10: Turn Income Into Capacity
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Windfalls and One-Offs
Apply the same rule to irregular money.
About 15 minutes
Learn
Bonuses, refunds, gifts and side income are the easiest money to lose track of, because they were never in the plan.
A standing rule — for example, a fixed split applied to any unexpected inflow — handles them without deliberation.
Set the rule once.
Do
Write your standing rule for windfalls.
Reflect
What is your rule for the next unexpected inflow?
Day 73
Protect the Gain
Make the new allocation automatic.
Learn
An allocation only survives if it is executed before the money becomes visible in everyday accounts.
That usually means updating the automatic transfer set up in Week 8 on the day income changes.
Diarise it alongside the pay change.
Do
Note the date you will update your transfers when income changes.
Reflect
What will trigger you to update your system?
Day 74
Capacity, Not Just Income
Close the week on what income is for.
Learn
Financial capacity is the ability to absorb shocks, take opportunities and make choices — income is only one input.
A higher income with no allocation produces a bigger life, not a stronger one.
Capacity is what Phase Three is building.
Do
Write one sentence describing the capacity you want in twelve months.
Reflect
What would you like to be able to afford to do — not buy?
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