<prompt> Human: Im a software contractor, and for the last few years my work has varied between being extremely busy and essentially unemployed. Theres a lot that I like about this as being all in on a project and then talking long breaks for vacation or personal growth fits my personality very well.However this makes it very hard to budget and I find myself spending probably more than I should during busy times, while relying on ramen and easy mac in the slow times. In addition, my work is correlated somewhat with the market so when I have money to buy into investments it tends to be during market highs rather than lows.Is there some fund or system that would help me automatically average my budget over a one or two year period?  <response>: Deposit all the money you receive into one account. Never touch this account directly. Set up a second account as your spending account. Every 2 weeks have an automatic transfer give you a paycheck from the first account. 