Step 03

Build Your System

Create your personalized Rockwood financial structure. Set up the three-account system, configure automation rules, and define your emergency fund target.

25%

Monthly Income

Enter your total monthly take-home pay (after taxes).

Three-Account Allocation

Divide your income across three accounts. The Rockwood default is 60/25/15, but adjust based on your situation.

Operating Account60% — $0/mo

Daily expenses, bills, groceries, transportation

Stability Account25% — $0/mo

Emergency fund, debt payments, insurance, protection

Growth Account15% — $0/mo

Investments, retirement, wealth building, opportunities

Emergency Fund Target

Your emergency fund should cover 3-6 months of essential expenses. Enter your monthly expenses to calculate your target.

Automation Checklist

Check off each item as you set it up. The goal is to automate your financial system so it runs without daily decisions.

Set up direct deposit split (if employer allows)

Schedule automatic transfer to Stability Account on payday

Schedule automatic transfer to Growth Account on payday

Set up autopay for all fixed bills from Operating Account

Define emergency fund target (3-6 months of expenses)

Schedule weekly 15-minute financial check-in

Schedule quarterly financial review

Commit to no new consumer debt

0 of 8 items completed

Your System

Monthly Income—

Emergency Target—

Automation Progress0/8