Money covenant
The present-tense rule
The covenant is not the freedom plan. It is the discipline layer underneath it.
Your rule
60/10/10/10/5 + 5 (Vacation unlocked)
Monthly income
$9,800.00
Core monthly bills
$3,200.00
Emergency fund
$24,000.00
Months of safety
7.5 / 6
Minimum you owe each month
$2,310.00
Mortgage balance
$246,800.00
April 2026
This Month
Bills
$4,210.00 / $5,880.00
Pay Self
$1,120.00 / $980.00
Charity
$600.00 / $980.00
Investment
$1,750.00 / $980.00
Emergency
$650.00 / $490.00