whenever you are blessed with unexpected income such as bonuses or tax refunds, here is the breakdown on how you should distribute that money.

• 70% to investments

  break this up however you want. 50% to savings, 50% to roth or 70% to savings, 30% to roth, etc.

• 15% to savings to be spent within a year

  vacation, getting an expensive jacket, etc.

• 15% to lifestyle improvements

  getting carwashes more frequently, upgrading the fruit you buy to be organic, etc.