What percentages should I use for each bucket?

Smart defaults are 30% each for Obligations, Investment, and Personal — leaving 10% for Debt if you carry any. No fixed rule for Donation; start small and increase as you clear debt.

Is the Investment bucket for stocks?

No. The Folosat Method investment bucket is for active income growth — spending money to earn more money. That means courses, certifications, business expenses, coaching, tools that increase your earning power, or income-generating assets like rental property. Not passive stock investing.

What happens when I overspend a bucket?

Folosat shows the overage and gives you two options: draw from that bucket's reserve (if it has one), or log it as a debt to be repaid next month. The system flags it clearly — no silent overspending.

What if I have variable income (freelancer, commission)?

You can add income anytime during the month as it arrives. At month-end, Folosat prompts you to review your actual income, confirm your total, and set next month's allocations — so the system adapts every month to what you actually earned.

How is this different from the 50/30/20 rule?

The 50/30/20 rule asks you to fit your life into its boxes. Folosat does the opposite: it adapts to your situation. The Investment bucket is designed to grow your income over time so that fixed expenses take a smaller and smaller percentage each month.

The Folosat Method — Automatic Income Allocation System

Folosat — Income Growth System

The Folosat Method — Automatic Income Allocation System