Newsletters

Money Target Allocations Explained

Apr 11, 2026

B.Y.O.B. | Brewing Your Own Business | 111th Edition | Money Target Allocations

Caffeinate Your Cash Flow

Money target allocations provide a simple way to determine exactly what percentage of your income should be directed into each of your five bank accounts. The Money Target chart is based on what financially fit people do at all different levels of income and in different seasons. With it, you can determine exactly what your accounts and subsequent spending behaviors should be.

*

*

*

Weekly Sips of Wisdom

Admittedly this is not a perfect science; a multitude of factors can affect the numbers, such as the costs of where you live and the size of your family.  The charts (in the attachment) show the ideal percentage allocations based on your usable household income and financial season.
-Mike Michalowicz
*
*
*
*

Money target allocation graphic showing persona saving

Dream Believe Achieve

“Saving Money today secures, eases, and beautifies tomorrow.”
~ Ehsan Sehgal
#zensationallifestyle
Skip to content