My Money Framework
One page you can keep: what each bucket does for you, the number that protects you, and the rules you decided to follow when things get noisy.
Give every dollar a job.
Time to goal: 10–25 years out
What each bucket does for me
Safety — Protect You
0–3 years · educational range 12–18%
Income — Pay You
3–10 years · educational range 10–15%
Growth — Build You
10+ years · educational range 60–70%
Opportunity — Excite You
Variable · educational range 5–10%
Ranges are educational starting points for your time to goal, not a recommendation.
My rules
- Every dollar gets a job before it gets invested.
- Safety money never goes into Growth, no matter how good the story sounds.
- I decide on an ordinary day, not on a headline day.
- If I cannot explain it in one sentence, I do not buy it.
My note to future me
- Daily 15 sessions
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- Journal entries
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- Zoom-Outs
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Educational disclaimer. InvestStart provides general educational information and simulated investing experiences. It does not provide personalized financial, investment, tax, or legal advice. Simulated results are hypothetical and do not predict future investment performance. Consider consulting a qualified professional for advice specific to your circumstances.