Using the Safety Net step (Step 7)

Step 7 has two inputs: your current savings balance and the amount you want to add from this income deposit. The "Mode" toggle lets you pick between a starter target ($1,000) and a full target (3-6 months of essential expenses, calculated from your earlier wizard entries).

• Starter mode — recommended if you're carrying high-interest debt. Build a $1,000 buffer, then pivot extra dollars to Debt Destroyer (Step 9).
• Full mode — recommended once high-interest debt is gone. Uses your Shelter + Transport + Living numbers to compute the 3-6 month target.

The progress bar on the right shows how close you are to your target. Whatever you assign "this income deposit" flows into the zero-sum count in the wizard header and reduces the amount left to assign.