Income Shock Stress Test
What breaks if your income drops tomorrow? Stress-test your cash flow across multiple scenarios and see exactly how long your finances hold up before it hurts.
Income vs. Expenses by Scenario
See where your adjusted income falls relative to fixed expenses across all shock levels.
Scenario Breakdown
| Scenario | Adjusted Income | Monthly Expenses | Cash Flow | Months of Runway |
|---|
Understanding Income Shocks
What Is an Income Shock?
An income shock is any unexpected reduction in household income — a job loss, reduced hours, illness, or economic disruption. The risk isn't just the loss itself, it's how quickly your cash flow turns negative and how long your reserves last.
Why Cash Flow Matters Most
Many households earn "enough" on paper but still struggle during disruption. Expenses don't pause when income changes. Cash flow reveals whether your lifestyle can absorb a hit or immediately creates pressure — and the emergency fund determines how long you can hold.
Building Resilience
Once you understand your exposure, Evans Legacy Financial can help you build defensive income strategies — diversified cash flow sources, fixed indexed annuities, and structured reserves — that protect your household before a crisis forces the issue.