Module 3 · Financial Readiness & Career Stability
Worksheet 3.2 — Work-Stable Cash-Flow Planner
Now build your own cash-flow plan for a real or hypothetical job change.
Name: ______________________________
Date: ______________________
Income, Expenses, Stability Costs
- Income — Map income by pay date and net amount.
- Expenses — Required expenses with actual due dates.
- Stability Costs — Transportation, PPE, clothing, childcare, phone.
Case Study: New Job, Longer Commute
- Added expense: $200/month gas cost
- Stability cost: $60/month work boots and PPE
- Backup: Emergency fund + coworker carpool option