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                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; padding-top: 0; text-align: left !important">
                   Hi there,
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Some money challenges aren't actually about
                   <i>
                    how much money
                   </i>
                   you have (or don't have). Maybe you feel like you earn enough in the end, but budgeting is still a challenge.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   For many of you, the challenge is a timing issue. Perhaps you’re one of the lucky few that always has the same amount coming in, month after month. But the other 90 percent of the population is not so lucky. Today, we tackle the issue of variable income head on.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Why is variable income a problem when it comes to budgeting? (Or, at least, why do you think it is?) Two reasons:
                  </p>
                  <ol style="list-style-type: decimal; margin: 0 0 20px 40px; padding: 0">
                   <li>
                    You can’t plan ahead because you don’t know how much you have to plan with.
                   </li>
                   <li>
                    If you do decide to “estimate” what you’ll bring in and plan with that? You’ll overestimate. Every. Time.
                   </li>
                  </ol>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   You could probably write the rest of this email then, because the solution’s pretty obvious, no?
                  </p>
                  <ol style="list-style-type: decimal; margin: 0 0 20px 40px; padding: 0">
                   <li>
                    Plan ahead only with cash you actually have on hand. If you’ve planned for every dollar that you have on hand, you’re done planning! When you receive more money, you’ll plan again.
                   </li>
                   <li>
                    Because you’re only planning with a known amount of money, you won’t need to do any estimating.
                   </li>
                  </ol>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   The only other bit you need to recognize if you’re dealing with a variable income is that the Four Rules of YNAB are even more important:
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   <b>
                    Rule One:
                   </b>
                   It’s even more important that you give every dollar a job, reminding yourself that the next amount of income you earn may be less, or may not be earned for a while. Income variability necessitates a more conservative approach to your dollars’ jobs, plain and simple.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   <b>
                    Rule Two:
                   </b>
                   The pain of a variable income is accentuated by fluctuating expenses. As you Embrace Your True Expenses with Rule Two, you’ll notice that you’ve set aside funds for those larger, less-frequent expenses, so when they come, you don’t even feel them--even when income is maybe low that month. One twist in your approach though: If your income is extremely volatile, your funding of Rule Two funds must be more aggressive. In the flush months, you fund aggressively! Then in the lean months, you’ll still be sitting comfortably.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   <b>
                    Rule Three:
                   </b>
                   A variable income is a bit harder to wrangle, which makes adopting Rule Three even more important. It’s critical that you recognize you’re dealing with a tough problem, and that you change your plan as needed. Change your plan! When you get new (better) information, change your plan!
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   <b>
                    Rule Four:
                   </b>
                   This is budgeting nirvana when it comes to income volatility. You’ll Age Your Money so you’re spending money you earned at least 30 days ago. What does this mean for your budgeting? It means you’re still just having to budget once per month. It means you’re not living on the edge financially, and it means that if you do have a lean month, you have 30 days to figure out how to get by. A volatile income basically requires that you get to 30-day-old money as quickly as possible. You’ll love it once you’re there.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   To wrangling the variable income beast,
                  </p>
                  <div align="left" class="intercom-container intercom-align-left" style="margin-bottom: 16px; text-align: left !important">
                   <img src="https://inboxflows.com/_/image/https%253A%252F%252Fuploads.intercom-mail-200.com%252Fi%252Fo%252F6384193%252F624f2d40ce14a9dc0196d775%252Ftodd_transig.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ1cGxvYWRzLmludCJ9:1kXPNe:A2LOlEDMsnPGJA6h01DlEm7iyczcV4-vap6XODWgdSs" style="margin: 17px 0; max-width: 100%"/>
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                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   P.S. If all of this still isn’t clicking, and you’re more of a “hands on” type of individual, you really ought to consider
                   <a style="color: #1251ba" target="_blank">
                    taking part in one of our Variable Income Workshops
                   </a>
                   . They’re free, hands on, and extremely informative. A YNAB Teacher will be able to address your specific situation. Light bulb moments abound!
                  </p>
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