Loved that anti-fragile reference there. I'm currently reading that book planning to apply the principle to software development but your article shows it can (should?!) also be applied to pretty much everything. Good read.

Some typos? :

Once you start having a little extra, you can start allocating money for future expenses that you need will come sooner or later.

need -> know ?

It's just that spent more than you expected in a certain category.

that spent -> that you spent