Since most expenses are static but my income is variable, I have done the calculation for how much my expenses are per day and per week. Then I just make sure I'm making at least that much every workday / workweek. All the surplus gets split between discretionary spending, long-term plans (home improvement, family trips), and investments.
I've managed to make it even simpler by making the investments automatic and hands-off, so I can just figure those into the per-week number since they're also regular.
Lemmy is inherently democratic. If you don't like a muni, or an instance, you go to another one. Without centralization dictatorship is impossible.
That said, it's not democracy, either: It's a federation of interdependent polities, each with their own laws and administrators. Which is good, because it allows for rapid response to spam, inappropriate content, and verbal violence.
And if the admins or moderators overreach, well, back to the first paragraph: we've got open borders, go homestead your own community on another instance. You literally cannot be silenced here.
I think that people should be able to have guns to defend themselves. I also think that, in almost all circumstances, people should not use guns to defend themselves.
If I didn't have income I'd be cutting way back, and with only essential expenses it's more like eight.
I wouldn't plunder my retirement investments to keep spending at the current rate, so if I kept spending the same but didn't plunder, it's more like two months.
I started a good job recently after being underemployed for over a year, and am still financially recovering; normally my emergency budget covers ten months without any income.
It seems like you maybe thought I was saying the exact opposite of what I was trying to say. I'm not sure if that's your error or mine, so let me be clear: "Social construct" doesn't mean "not real", it means "important to consider when dealing with other people".
If they're using fake papers to work, they're paying income tax (and payroll tax is paid for them as well) but can't file for a refund or unemployment insurance payments. They pay into Social Security but won't be able to collect it (though I think anyone under 50 can probably relate to that).
When they buy things, they pay sales tax like anyone else.
They pay their landlady's property tax if renting and pay it themselves if not.
It's called "voting with your feet". Being free to leave is power. Means a hell of a lot more than up- and down-doots.