{"id":32792,"date":"2021-04-22T18:19:05","date_gmt":"2021-04-22T22:19:05","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=32792"},"modified":"2025-09-15T10:15:48","modified_gmt":"2025-09-15T14:15:48","slug":"barefoot-investor-buckets","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/barefoot-investor-buckets\/","title":{"rendered":"The Barefoot Investor Buckets for Managing Money"},"content":{"rendered":"\n<p>What are the three <em>The Barefoot Investor<\/em> buckets? What is the purpose of each bucket?<\/p>\n\n\n\n<p>In his book <em>The Barefoot Investor<\/em>, Scott Pape recommends distributing your take-home income over three buckets: blow, grow, and backstop. The blow bucket consists of money for day-to-day expenses, the grow bucket houses your long-term investment money, and the backstop bucket fund is reserved for emergencies.<\/p>\n\n\n\n<p>Here is an overview of each of <em>The Barefoot Investor<\/em> buckets.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p><em>Editor\u2019s note: This article is part of\u00a0<a href=\"https:\/\/www.shortform.com\/blog\/hub\/personal-life\/health\/nutrition\/dieting-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">Shortform\u2019s guide to saving money<\/a>. If you like what you read here, there\u2019s plenty more to check out in the guide!<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-barefoot-investor-buckets-explained\"><em>The Barefoot Investor<\/em> Buckets Explained<\/h2>\n\n\n\n<p>Struggling with personal finance management? <em>The Barefoot Investor<\/em> buckets strategy will help you get on top of your finances. Under this strategy, you\u2019ll put money from your take-home pay into three main buckets:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Blow<\/li>\n\n\n\n<li>Grow<\/li>\n\n\n\n<li>Backstop<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-blow-bucket\">The <strong>Blow<\/strong> Bucket<\/h3>\n\n\n\n<p>This category consists of money that you\u2019ll spend on a daily basis, as well as savings you\u2019ll put away for longer-term purchases. Each month, your take-home pay will be deposited in your Day-to-Day account (In Australia, one of your two ING Everyday Orange accounts). Then, you\u2019ll redirect some of it into your other accounts.<\/p>\n\n\n\n<p><strong>In general, aim to spend only 60 percent of your take-home pay on essentials, like bills, shelter, food, transportation, and insurance.<\/strong> This will leave you 40 percent to put toward other purposes.<\/p>\n\n\n\n<p>Here\u2019s how it\u2019ll work\u2014each time you\u2019re paid, have your Day-to-Day account automatically direct:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10 percent to your Treat account.\u00a0<\/li>\n\n\n\n<li>10 percent to your Happy account.\u00a0<\/li>\n\n\n\n<li>20 percent to your Fire account.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-10-percent-treat-account\">10 Percent: Treat Account<\/h5>\n\n\n\n<p><strong>You\u2019ll use your Treat account (your other ING Everyday Orange account) for treating yourself regularly to whatever you like to buy.<\/strong> Maybe it\u2019s pumpkin spice lattes, or new clothes.<\/p>\n\n\n\n<p>Since it\u2019s a debit account, it comes with its own card. Write Treat on it with a Sharpie so that you can tell it apart from your Day-to-Day spending card. Remember: Once you\u2019ve used up your Treat dollars for the month, you\u2019re not allowed to dip into other accounts for that purpose. You\u2019ll have to wait until next month.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-10-percent-happy-account\">10 Percent: Happy Account<\/h5>\n\n\n\n<p>The money directed to your Happy account (a savings account) allows you to save for bigger expenses that you can\u2019t buy with one paycheck, like a vacation. In other words, you\u2019re saving to make a larger-than-normal purchase that brings happiness to your life.<\/p>\n\n\n\n<p><strong>Depending on what you\u2019re saving for, you may want to increase or decrease the percentage you direct toward this account.<\/strong> For example, if you\u2019re saving for a $1,200 plane ticket to Tokyo, and you want to buy it in three months, you\u2019ll need to put $400 dollars in your Happy account for three months to reach that goal. If you normally only put $300 per month toward this account, you\u2019ll have to modify your other monthly expenses. For example, you could divert a smaller portion of your take-home pay into your Treat account, putting the remainder in your Happy account instead.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-20-percent-fire-account\">20 Percent: Fire Account<\/h5>\n\n\n\n<p>You\u2019ll use the money in this account to deal with \u201cfinancial fires.\u201d Financial fires are anything you want to concentrate a good chunk of money on paying for, such as eliminating <a href=\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/\">credit card debt<\/a> or student loans. It could also include larger expenses than you\u2019d normally save for in your Happy account, such as a downpayment on a home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-grow-bucket\">The <strong>Grow<\/strong> Bucket<\/h3>\n\n\n\n<p><strong>This category consists of your long-term savings: your money for your super, as well as any investments you own, like rental properties or shares.<\/strong> In Steps 6 and 9, you\u2019ll learn more about how to manage this category of savings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-backstop-bucket\">The <strong>Backstop<\/strong> Bucket<\/h3>\n\n\n\n<p>Backstop is an account that holds money separately from the Blow and Grow category. It is both its own spending category (like Blow and Grow) as well as a separate bank account. In Step 1, you should have deposited $2,000, but if you haven\u2019t yet done so, find some creative ways to get that money in there, like working overtime or selling some belongings.&nbsp;<\/p>\n\n\n\n<p>Because your Backstop money is at another bank, it should feel mostly off-limits, unless you need it in an emergency, like getting laid off from your job.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-from-theory-to-action-visualizing-the-barefoot-investor-buckets\">From Theory to Action: <strong>Visualizing <em>The Barefoot Investor<\/em> Buckets<\/strong><\/h3>\n\n\n\n<p>To visualize <em>The Barefoot Investor<\/em> buckets, follow these steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Draw a large circle for each of <em>The Barefoot Investor<\/em> buckets: Blow, Grow, and Backstop.<\/strong><\/li>\n\n\n\n<li><strong>Calculate 60 percent of your take-home pay.<\/strong>\u00a0<\/li>\n\n\n\n<li><strong>Calculate your essential costs each month.<\/strong> If it\u2019s more than 60 percent of your take-home pay, devise ways to lower your costs.<\/li>\n<\/ol>\n\n\n\n<p><strong>Decide what percent of your take-home pay you\u2019ll divert from your Day-to-Day account to your Treat, Happy, and Fire accounts.<\/strong> Write each account and the money going there inside the Blow circle\u2014for example, \u201cHappy: 10 percent = $210.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are the three The Barefoot Investor buckets? What is the purpose of each bucket? In his book The Barefoot Investor, Scott Pape recommends distributing your take-home income over three buckets: blow, grow, and backstop. The blow bucket consists of money for day-to-day expenses, the grow bucket houses your long-term investment money, and the backstop bucket fund is reserved for emergencies. Here is an overview of each of The Barefoot Investor buckets.<\/p>\n","protected":false},"author":7,"featured_media":18009,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40,7,31],"tags":[267],"class_list":["post-32792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-books","category-lifestyle","category-money","tag-the-barefoot-investor","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Barefoot Investor Buckets for Managing Money - Shortform Books<\/title>\n<meta name=\"description\" content=\"Struggling with personal finance management? 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