<prompt> Human: I am a wildland firefighter and my yearly work schedule is as fallows- I work for five months during the summer about 45-80 hours a week depending on how busy it is. The majority of my money for the year is saved up during that time. Then for the remainder of the year I try to find another short term position. Any advice on ways I can make extra money in the off season or allocate my money during the entire year?  <response>: You could have two accounts. Dump all your earnings in one account and then have that account spread out the deposits into the second account over a 12 month period. 