Zero-Based Budgeting for Freelancers & Gig Workers

A worksheet-driven zero-based budgeting system built specifically for variable income — the 70+ million Americans (freelancers, Uber drivers, Fiverr designers, independent contractors) for whom standard budgeting advice simply does not apply. Covers floor income calculation, a four- tier priority budget template, an instant 25–30% tax reserve setup, quarterly estimated tax deadlines, buffer fund strategy, sinking funds for irregular expenses, a surplus allocation hierarchy, and retirement options for the self-employed. Includes six fillable worksheet templates.