For people who have regular paychecks of the same amount every time, das works great for determining what's free to spend.

But not everyone has consistent regular paychecks, some paychecks may be less than what's necessary for a funding schedule, while others may be significantly over what's needed. As such, "free to spend" doesn't really feel like it's really free to spend as there's a concern the next paycheck may not be enough to cover everything if you actually use what's in free to spend.

To solve this, I'd love to be able to set aside enough money in a goal to be a month ahead, so in case free to spend doesn't have enough to cover the funding schedule (or any regular transaction) we could set Das to pull the excess needed from the set aside goal as backup. Kinda like a virtual overdraft to cover the funding schedule or transaction and keep free to spend above $0.

Then assuming paychecks have arrived since then, have the backup goal automatically refill itself with the rest going to free to spend. (Perhaps another way to do this last part would be with setting the backup goal to "reach target balance" and just having that goal be the lowest priority for funding during the next funding schedule).