Shared
Ours
Rent, lights, groceries, wifi, the stuff that keeps the address standing. Every paycheck feeds this first, in proportion to what each person earns.
A money plan for three or more
The Bigger Clubhouse Plan
Extra chairs. Same house.
Three grown-ups. One house. Too many “I’ll get the next one.” This is the Clubhouse Plan with extra chairs: one shared pot, a private pocket for each person, a fair split when pay is not equal, and a 20-minute talk that actually ends.
- One shared pot
- A pocket each
- 20-minute monthly talk
I want this — $12
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Three toothbrushes. Still one electric bill.
A couple can fake a system for a while. Three adults cannot. Someone always “forgets.” Someone always covered dinner. Someone always feels watched when they buy shampoo.
The Bigger Clubhouse treats the house as a club with more members. The roof gets funded first. Each grown-up keeps a private pocket. Uneven pay is written into the split, not argued in the kitchen.
The pots
One house fund. A pocket for every adult.
Private
Each pocket
One cup per grown-up. Hobbies, dates, the ugly sneakers. Once it lands here, the table does not get a vote.
The talk
Twenty minutes
Once a month. What changed, what’s coming, who is short. Then it ends. Nobody gets to reopen it at midnight over leftovers.
Two rules
Built for a table that seats more than two.
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1. Fund the house before you fund the self.
Ours is filled from every paycheck, scaled to income. The highest earner puts in more. Pride does not get a column.
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2. Private pockets stay private.
No commentary on the takeout. No forensic audit of a birthday. If the house is funded, the rest is nobody else’s business.
What you get
A weekend install for a crowded house.
Open it Friday. Set the shares Saturday. Hold the twenty-minute talk Sunday. By Monday the group chat is about groceries, not IOUs.
Download the plan · $12-
The multi-share sheet
Set Ours and each pocket from three (or more) real paychecks — not a 50/50 fantasy.
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The talk agenda
Twenty minutes, once a month. What changed, what’s coming, what stays private.
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Scripts for three
Words for uneven income, a partner plus a roommate, and “I thought they paid that.”
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Guardrails
No secret cards. No rotating tab. What to do when one pocket blows and the rent is due.
“A 20-minute talk that actually ends.”
For partners, roommates, or a mix sharing one fridge.
Questions a third person actually asks
We don’t all earn the same. Does this still work?
Yes. Ours is funded by paycheck share, not headcount. The higher earners put more into the house. Every adult still gets a private pocket.
Is this only for roommates?
No. Couples plus a housemate, siblings, three friends, a parent moving back in. If more than two adults share the bills, this is the extra-chairs version.
We are only two people. Wrong book?
Yes — use The Clubhouse Plan. Or take the bundle if you want both on the shelf.
Is this a budgeting app?
No. It is a plan you run with the accounts you already have. The work is the agreement, not another login.
Ready when the house is
Put the group tab down.
One download. One shared pot. A private pocket each. A twenty-minute talk you can stand to have again next month.
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