Emergency fund before everything
ReminderThree to six months of expenses is the foundation of every other choice.
- Computes your real monthly baseline
- Tracks months banked toward the 3-6 target
- Celebrates every month milestone
Her First $100K
Tori Dunlap
Financial security first. Then spend on what you love without apology.
8,700 people run this system with Flip
The system
5 habits. Copy once, Flip runs them for you.
Negotiate everything
Live alertBills, rent, salary: the answer is no until you ask.
- Flags bills above typical market rates
- Reminds you when renewal windows open
- Preps the ask with your own numbers
Value-based spending
Scan lensCut what you do not care about to zero; keep what you love without guilt.
- Sorts spending into loved vs leaked
- Uses your repeat behavior, not intentions
- Sends a monthly list of leaks to cut guilt-free
High-yield, not checking
Live alertYour emergency fund should be earning while it waits.
- Flags savings sitting at 0%
- Shows the yearly cost of staying put
- Tracks the yield once you move it
A money date, weekly
ReminderTen minutes a week with your money beats a panic once a year.
- Sends a 3-line weekly summary: in, out, one action
- Never a lecture, always one concrete move
- Same time every week
What Tori's scan looks for
- Your real monthly baseline and how many months you have banked
- Savings earning 0% that should be earning 4%+
- Bills above typical market rates
- Spending that repeats but never gets used ('leaked')
Running it in real life
2.4 mo
emergency fund banked, from 0.8
The scan set her real baseline, found $4,200 earning 0%, and two negotiable bills. Flip runs her weekly money date and tracks the fund: 2.4 months banked and both bills renegotiated.
— Amara, 29 · Saving something every month, never sure if it was enough
Copy the system, connect your accounts, and see what Tori would fix.
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