To be financially free no matter your income you should take a look at the YNAB Rules! Rule One: Give Every Dollar a Job Rule Two: Save for a Rainy Day Rule Three: Roll with the Punches Rule Four: Live on Last Month's Income https://www.youneedabudget.com/method I did use the software when I first read the book but found a better solution called Mint.com. I am still working to get Rule Four under my belt but for those of you with steady income you should read up on YNAB. YNAB and Mint have allowed me to be financially stable and not my actual income.... food for thought.