Your Sunday Snapshot
March 30, 2025
Your January sales ($175k) paid out on Feb 15th — $12,264 net after your 30% tax set-aside. Combined with Accenture ($6,600), you pulled in $18,864 that month. That's a $9,864 surplus over your $9k burn.
February sales ($129k) → $9,069 net commission landed March 15th, plus $704 recurring. March total income: $16,373. Surplus: $7,373.
March sales ($118k) → $8,295 net hitting April 15th. Plus recurring climbing toward ~$800. April total: $15,695. Still well above water.
You're stacking fat months back-to-back. The machine is running.
Priority: Rebuild emergency fund before the house move in August. You're generating $7k-$10k surplus every month — the discipline is routing it before lifestyle creep absorbs it. Your recurring revenue ($800/mo and climbing) is your secret weapon.
January
$8,851
Accenture: $6,600
Commission (Dec sales): $2,251
Burn: -$9,000
Surplus: -$149
Ramp Month
February
$18,864
Accenture: $6,600
Commission (Jan sales): $12,264
Recurring: ~$700
Burn: -$9,000
Surplus: $9,864
Fat Month
March — You Are Here
$16,373
Accenture: $6,600
Commission (Feb sales): $9,069
Recurring: $704
Burn: -$9,000
Surplus: $7,373
Fat Month
April
$15,695
Accenture: $6,600
Commission (Mar sales): $8,295
Recurring: ~$800
Burn: -$9,000
Surplus: $6,695
Fat Month
Recurring Revenue Engine
Every person you sign up pays ~$14/mo to use the medical network. You get 10% ($1.40/person/mo). This compounds — it never resets, it only grows.
$800/mo
Current Recurring
$2,000/mo
Target by August
At $2k/mo recurring, that covers 1/3 of your mortgage passively. This is the asset that compounds while you sleep — and the one that eventually lets you walk away from Accenture.
Commission Goals — The Ramp
Your self-set targets: $15k/mo gross commission for the next 4 months → $20k/mo by house move → $30k/mo to leave Accenture.
$11,135 avg → $15k target
$11,135
Current Monthly Avg
$150,000
Sales/Mo for $15k Comm
$300,000
Sales/Mo for $30k (Exit)
January ($175k) already proved you can hit the $15k pace. The question is consistency. Two of your last 3 full months cleared $118k+. You're closer than you think.
Accenture Exit Ramp
To replace your Accenture income ($6,600/mo net) with sales commission alone, you need consistent net commission ≥ $6,600/mo — which means $9,429/mo gross (before 30% tax). That's $94,290/mo in sales. You're already clearing that every month.
But replacing income isn't enough — you want to exceed it. Your $30k/mo commission target ($300k in sales) would give you $21,000/mo net from sales alone, plus recurring. That's $21,800+/mo — more than triple your current Accenture check.
$94k/mo
Sales to Replace Accenture
$300k/mo
Sales for Confident Exit
$21,800+
Monthly Net at $30k Comm
House Move — August Countdown
You just put $80k down. Emergency savings are depleted. Your burn jumps to ~$9k/mo with the mortgage. The next 4 months are about restocking your cushion while staying aggressive on sales.
At your current surplus pace (~$7k–$10k/mo), you can rebuild $28k–$40k in savings by August — IF you route the surplus before it disappears into house upgrades, furniture, and moving. Set a monthly auto-transfer the day commission hits. The money that sits in checking gets spent.
Income Profile
W-2 (Accenture): $6,600/mo net
1099 Commission: 10% of sales
Recurring: 10% of $14/member/mo
Tax Set-Aside: 30% of 1099 income
Commission Timing: 15th of following month
FY Start: Mid-December
Monthly Burn: ~$9,000
Housing: ~$6,000 (mortgage + utilities)
Discretionary: ~$3,000
Idle Cash: Minimal (post down payment)
Goal: $30k/mo commission → exit Accenture
Recurring Target: $2k/mo by August