This is the whole framework and it takes 10 minutes with a pen.
Sum 1. Your monthly basics. Housing, utilities, food, insurance, transport, medical. Not the trips, not the restaurants. Only the bills that arrive whether you enjoyed the month or not.
Sum 2. What arrives every month without you working for it.
Divide sum 2 by sum 1. That percentage is your coverage number.
One rule makes it work. Every entry in sum 2 gets a SOURCE written next to it, not just an amount. An amount with no source is a wish.
What did you get?
-Rich