I have a similar problem with fluctuating income - I have both salary and dividends, only for mine it is worse as they come in on a totally different schedule (monthly / quarterly, respectively). I wrote about a solution here (under the “fluctuating income” header). In brief: if we were able to route fluctuating income through a pot, and instead have a scheduled pot withdrawal work as salary, then income could be smoothed and made to look more regular than it often is for many people.
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