What CRACTT weighs
Essential burn
Only the bills you can't skip — the number that matters if income stops.
Income volatility
Self-employment and commission income need a deeper buffer than salary.
Household risk
Dependents, health costs, an aging car, or an old roof each add months.
Where to hold it
Liquid and boring, earning something, reachable in a day.
FAQ
- Should I build savings before paying debt?
- A starter buffer usually comes first — CRACTT tells you the split.
More CRACTT tools
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