Put giving in the plan first, then see investable surplus. Fidelity and FI are not opposites when the order is right.
Monthly giving
$1,600
Tithe $1,500
Surplus after giving
$900
Savings rate (take-home)
8.3%
Planning tool — not tax or spiritual advice. Adjust what “gross” means for your household (e.g. after employer benefits).
Travel rewards for the family
Automate surplus after the tithe so generosity and investing both stay consistent.
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Next: read the sequence
What to do with the number, before another tool or another calculator.
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