In a true financial emergency, standard advice fails. This requires a ruthless prioritization method known as The Four Walls.
The Four Walls Categories
- Food: Groceries only.
- Utilities: Lights, heat, and water.
- Shelter: Rent or Mortgage.
- Transportation: Fuel or transit for work.
The Survival Audit
| Expense Category | Essential? | Monthly Cost | Action |
|---|---|---|---|
| Housing | YES | $1,200 | Keep |
| Debt Minimums | NO | $300 | Pause |
| Subscriptions | NO | $45 | Cancel |
Next Steps
- → If you have slashed everything and still have a deficit, explore Immediate Income Gigs.