Needs, wants, and savings as shares of what actually reaches your account — not of your salary, which is the version that never balances.
Build the inventory, find the one number that decides everything, cut your rates with scripts that work, and run the consolidation comparison honestly — with every figure computed.
Budget on the floor, pay yourself a fixed draw, and size the buffer on the worst ordering of your months — not the average. Computed, with the arithmetic shown.