That’s good info, I get 150k a month, unfortunately I can’t use that method. I get a monthly pension from the government, but they always transfer on the last day of the month. Thus, some months have 0, some have 1 payment and some have 2 payments in one month. I think in a 12 month period , I have about 6-8 months of normal payments, the rest are all, 0 or 2. Just depends on which day the bank is open here 😢