Financial security is when income distribution is to the *left* of expense, and also log-normal like income, but with a thinner tail 2/2
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I like this way of thinking, but over what time window?
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sure, but details matter. How wide? Does it vary with goods/ services under consideration (yes)
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Just ran the numbers for my own credit card statement from 2013 and raw frequency peaks in the $0-30 range. Will refine.

