My home is single income, two people. I don't see the point in dividing the what remains equally amongst each household member when there are so many expenses t

My home is single income, two people. I don't see the point in dividing the what remains equally amongst each household member when there are so many expenses that can benefit more than one person and there will be different wants and needs at different times. Living paycheck-to-paycheck means if you miss one paycheck, you'll have bills you can't pay. With the numbers you've provided, I don't see how your income and essentials would force you to not have savings to cover a few months. You didn't mention how many income sources your household has; even if 75% is from one source, having a second source does add a lot of security.