Type what came in. I’ll cover your must-pays first, protect your looks & fun, then send the rest where it grows.
Built from how top advisors & the wealthy actually allocate — then bent around your life: irregular income, gold as the goal, and a protected reward so you don’t burn out.
Your income is lumpy, so we never split a % of every payment. Each one fills your baseline — must-pays + a protected Looks & Fun floor — and only the surplus gets invested. That’s the pay-yourself-first method built for variable income.
Kill the 7,000 credit card first (highest interest you hold — beats any investment return), then build a safety buffer to ~20,000 so a slow month can’t sink you. Surplus tilts to safety + gold here.
Once you’re safe, surplus splits:
| 🪙 Gold — your store of value & car fund | 40% |
| 🎬 Business / content — grows your income | 25% |
| 😎 Lifestyle — looks & fun above the floor | 15% |
| 🛟 Safety buffer top-up | 10% |
| 🚀 High-risk “get big” fund | 10% |
In Egypt, gold rose ~55% in 2025 while EGP cash lost purchasing power — it’s the best store of value you can hold, it’s your dad’s exact method, and the pile becomes the car. Dalio keeps 5–15% in gold as a stabilizer; you run higher because it’s your explicit goal and inflation hedge.
Your iPhone installment ends soon — that frees 6,500/mo straight into surplus. The app counts it down and adjusts automatically.
Sources: Ramit Sethi Conscious Spending Plan · Barefoot Investor buckets · Profit First · Ray Dalio All-Weather (5–15% gold) · debt-avalanche · Egypt gold vs EGP 2025.
Change anything and the whole split re-does itself. Saved on this device.
Private on this device · v1.0