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Method and limits: Enter cash you can actually spend after any tax obligations. Monthly burn is multiplied by a fixed regional assumption, then insurance is added and partner income subtracted. The model sets aside 3–6 months of that burn for dependents; this is a chosen buffer, not a safety standard or an estimate of job-search duration.

George Pu

George Pu

George Pu is the founder of SimpleDirect, an independent Canadian AI lab. Founder Reality is his publication of candid essays and free resources on building companies, ownership and technological change.

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