THE YGYP JOURNALMONEY, EXPLAINED
FOUR-BUCKET SAVINGS BUILDER
Stop saving money.
Start giving it jobs.
Start with a YGYP allocation rule, then give the savings portion four clear jobs: Emergency, Investment & Opportunity, Retirement and Lifestyle.
About 4 minutesBased on net incomeYGYP allocation framework
Step 1 of 425%
YOUR YGYP STARTING FRAMEWORK
YGYP rule70 / 30starting framework
Give the savings portion four jobs
Your current Build Phase
WHY THIS CHANGED
What your answers are telling us
THE GRADUATION METHOD
NEXT ACTION
KEEP YOUR FOUR-BUCKET PLAN
Send yourself a copy — and ask for help only if you want it.
Your result is already yours. Add your details only if you want the summary emailed to you or would like Tennille to follow up.
WHERE THE MONEY LIVES MATTERS
This builder gives the money a job. It does not choose the financial product for you.
The Four-Bucket result is a planning guide. The right account, fund, pension, investment or other vehicle depends on when you may need the money, how much access you require, your tolerance for risk and your wider financial position.
EmergencyGenerally needs to be low risk, easy to access and focused on preserving the money for genuine emergencies rather than chasing high returns.
Investment & OpportunityWhere this money belongs depends heavily on the time horizon. Money needed soon usually requires more stability and access than money being built for a longer-term opportunity.
RetirementRetirement money may need long-term growth and could sit within pensions, annuities, investments or other retirement arrangements. Suitability depends on your age, time horizon, existing benefits and risk profile.
LifestyleShorter-term lifestyle goals generally need accessible money with an appropriate level of stability so the funds are available when the goal arrives.
Before moving money or choosing a product: consider getting personalised financial advice. A proper review should look at your cash flow, debt, emergency reserve, protection, retirement position, goals, time horizon and risk tolerance before deciding where each bucket should actually be held.
GO DEEPER WITH THE FOUR-BUCKET STRATEGY
Want more guidance on where each bucket may actually belong?
In Aligned for Freedom, Tennille expands on the Four-Bucket Strategy and the thinking behind where different types of funds may be placed — including the importance of access, risk, time horizon and purpose.
The Builder helps you decide what job the money has. The next step is deciding which account, fund, pension, investment or other vehicle is suitable for that job.
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Important disclaimer: The Four-Bucket Savings Builder is for general financial education and planning guidance only. It does not provide personalised financial, investment, pension, tax or insurance advice, and it does not recommend a specific account, fund, insurer, pension, security or investment product. The percentages shown are YGYP framework targets and may not be suitable for every household. Before acting on the result, consider a personalised review to determine what level of savings is affordable and where each bucket should be placed based on your circumstances, liquidity needs, time horizon and risk tolerance.