Your NIL Money Plan
See exactly how much to save, invest, spend, and keep for taxes using the NIL Money System
Taxes to Set Aside (Keep in Business Account)
Business Reserve (Recommended)
Your 4-Bucket Money Plan
Emergency fund + savings for life's surprises
Investments (Roth IRA) + career transition fund
Phone, insurance, personal care, rent (if not covered)
Guilt-free spending, giving back 5-10%, short-term goals
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You've Got the Plan. Now Build the System.
This calculator showed you what to do with your NIL money. The Starter Kit shows you how to actually set it up — the accounts, automations, and steps that make the system run itself.
I was a student athlete on a full ride. My only bill? My beeper. I got credit cards from companies set up on campus and spent every dollar I made at basketball camps and babysitting. First contractor job after college? The IRS hit me with a tax bill I couldn't pay. They garnished my wages - took it straight from my checking account for 7 YEARS. I spent 25 years total making every money mistake. I finally built an automated system where my money splits into 4 buckets before I can touch it. That's what I teach you.
Learn how to set up your automated money system