A flexible emergency savings system for people whose income changes from payment to payment. The product does not ask freelancers and hourly workers to pretend they have a fixed paycheck. It gives them a practical way to build security from the income they actually receive. Your income does not need to become predictable before your finances can become more stable. This payment by payment system helps you build a reserve around the money you actually receive, the bills you actually owe, and the disruptions most likely to affect your work and daily life.