Originally Posted by
Justabusdriver1
Agree with banana never financially plan for more than minimum. Looking to prove financials to someone for a loan of some kind? Best you can/should do is minimum.
However the chances of breaking minimum would 100% be on you, your availability and willingness to work. On reserve you’ll rarely credit more than minimum from reserve but depending on your schedule and time of the year/environmental factors there may be premium to pickup. Which is always above mmg. Once you’re a line holder it’s 100% on you. Work for straight pay and each 50-100% above mmg or take your chance with getting called for premium and working very little.
I asked ChatGPT and this is what it said.
Your financial planning should be based on reserve guarantee and that alone. If I were a magic eight ball and not a stellar AI I would say “Cannot predict now.”