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So you’ve arrived at the ‘i need money now‘ place and you need to work your finances out. To figure out the amount of the independent income, calculate what you pay for essentials and obligations for a month: rent, housing, food, power, water, and legal obligations like payments on a two-year cell phone contract. Multiple that monthly amount by 2. Then divide that amount by .70. If you want the yearly amount, multiple the number by 12. What if you need some extra money and you’re considering a part-time job. Say you work an extra 4 hours a day during the work week (80 hours a month) and you make $10 an hour at this part-time gig (let’s assume that’s your take-home pay, after taxes and what not).