Actually, I think more people should run scenarios where they lose their regular salary. They might be a bit more conservative in racking up monthly bills. I plan for money I don't have but I also plan on having no money so that I can see what the outcomes would be. Usually I use the plan in the middle somewhere.
Oh and my raises are optional just like my bonuses since its based on what our firm can afford. So I never build my budget for goals with raises accounted for. I prefer planning for the worst case scenario so things are almost always better that I thought they would be.
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