Cashflow Priority Waterfall - Personal Finance Order of Operations Simulator

Household Cashflow Tier Baseline

Monthly Take-Home $4,800

Baseline Living Costs $3,100

Net Monthly Spillover: $1,700/mo

Debt Optimization Mode Payoff Strategy

Avalanche: Mathematically optimal; aggressively quenches toxic debt before investing.
Snowball: Psychological momentum prioritizing lowest balance first.

Inject Financial Shock Stress Test

Apply real-life liquidity shocks at Month 2 to observe spillover diversions:

Debt Free Milestone

Month 4

Emergency Funded

Month 9

Total Interest Paid

$241.68

Month 24 Net Worth

$27,854

Timeline:

Month 1

Simulated 24-Month Priority Cascade Ledger

All values modeled in strict waterfall order

Month	Monthly Inflow	Starter Cushion	401(k) Match	Toxic Debt Bal	Interest Leak	Full Emergency	Roth IRA	Brokerage Wealth	Cumulative Net