A 3-month goal

Three months are a calendar, not a poster

A 200 Kč goal was short. Now three months. The same pieces: an amount, a date, a path. Added: trips and a subscription on the way. With no calendar a long goal is eaten by every holiday.

It is not wealth. It is breath. Who does not promise they will be a billionaire in three months. They promise that L lives.

Adam: a bike in three months, a number from an ad. Ema: 600 Kč for headphones, 50 from pocket money a month, a trip in month 2 with a W ceiling. Adam has a poster. Ema has a split. A parent by the bike is above the line. Ema knows it and crosses out the bike goal. Respect.

A split of time, not a miracle

Three months can carry a hole when the pocket-money row lives. They cannot when every trip is an exception. An exception three times is a rule.

A goal above the line (a bike, a phone) belongs to parents. Let your goal be from pocket money. Otherwise blame and a ranking again.

A record: once a month the state of L. Not a daily obsession. Obsession is a ranking against yourself.

Inflation: in three months the headphone price can grow. That is why a reserve in the goal or a soft date. The next lesson will come. Today: the number is not holy.

Ema wants to shorten it to “it will be fine somehow”. Adam asks what the lesson A 3-month goal is for, when a table can do a sum. A sum does not count respect, a PIN, a trap or an envelope. The core is: Three months = an amount / time / trips on the way. A bike poster above the line no.

Adults pay the rent. The card, the account and the PIN belong to a parent. A child’s email does not belong here. Pocket-money numbers do not belong on the network. If you break these rules in the lesson “A 3-month goal”, you know a word, not the course.

600 / 3 = 200 a month. Pocket money 80 a week ≈ 320 a month. 200 into L works, 120 for M+W. Trip W 150 in month 2: 150 > 120. Cross out trip W or move the goal. Ema moves the date by a month. Honest.

Adam 600 “by Friday in three months” with no path. A poster.

Practice numbers, not a bank statement. Ema has 80 Kč in the want envelope. Adam pushes a step this lesson can name. When Ema uses the core, either it waits for a parent, or it fits the envelope. If not, anger and a hole are left — proof of pressure, not that the lesson is pointless.

Why this right now

You are in the course Money with Martin, level Planner. You can write numbers in a notebook or a table, but the topic is money and decisions, not Excel formulas. The account, the card and the PIN belong to a parent. A child’s email does not belong here. Do not put pocket-money numbers on the network.

This is not the Sheets with Martin course. A table may help, but the mark of success is a decision, not SUM.

You will know this lesson by one sentence: Three months = an amount / time / trips on the way. A bike poster above the line no. When you can say it to a parent or a teacher, you have the core. The rest is practice, not magic.

A small job can add income. Before you add, know how to hold L. Otherwise a small job only grows the want bag.

If you skip this, the next lesson in level Planner will stand on fog. 600 has a monthly path and a date. A trip on the way is on paper. A collection is not. It is not a test for marks. It is a safety net, so “A 3-month goal” is not only a heading.

Four things you will build from the course

The course has four small projects. You do not have to do them all at once. Today you add only what this lesson can do.

Workshop: an amount split by three

Practice 600 Kč. Not a bike from an ad, if it is above the line. Headphones, a game, a trip.

1. 600 / 3. A monthly path.

2. One trip on the way. Can month W carry it?

3. Is the goal under the pocket-money line? If not, cross it out and take a smaller one.

4. A date + the state of L once a month. Not stories.

You count with a split and a line. A bike poster with no line is the Persiapan lesson on wealth, which you should have behind you.

Pocket money: 14 days is the start of a long goal, not its end. Do not write someone else’s amount, a PIN, an IBAN or “how much a classmate gets” next to it. A rule and a practice number are enough — or an honest zero.

Class trip: A trip in month 2 must be in the goal calendar. Do not write someone else’s amount, a PIN, an IBAN or “how much a classmate gets” next to it. A rule and a practice number are enough — or an honest zero.

Game shop: A game: a 3-month season is a subscription vs. a goal. Pick one L. Do not write someone else’s amount, a PIN, an IBAN or “how much a classmate gets” next to it. A rule and a practice number are enough — or an honest zero.

Practice: breath, or a poster?

600 for practice.

1. 600 / 3. What is 200?

2. Trip W 150 vs. monthly W 120. What?

3. A bike goal from an ad. Why a line?

4. A public collection for a goal. Why not?

Now you 💪

Go through three checks. By each one, tick in your head: do I see it, or not?

1. I can split a goal into months.
2. I see a trip on the way.
3. I do not take a goal above the line as mine.

If something is missing, go back to the steps above. It is not a test for marks. It is a safety net, so you go on with certainty, not with a mess.

What to take from this lesson

• A long goal is a calendar.
• An exception three times eats L.
• Not above the line.
• A goal number is not holy — prices move.
• Namas in the examples (Ema, Adam) are made up. Do not put your number, email or photo here.
• Next lesson: When you can do this, go to the next lesson in the same level.

© 2026 Ing. Martin Polak / AlgoRhino · Ketentuan penggunaan konten