Calculate how much seed capital you can extract from your tax refund after covering essentials.
Extract Seed Capital From Your Refund
Overdue bills, license renewals, urgent repairs
Keep current on all accounts
Minimum safety net before risking capital
Unpredictable personal expenses
The Seed Capital Rule
Never invest money you cannot afford to lose. Seed capital is what remains after all essentials, minimum debt obligations, and a basic emergency fund are covered. If your seed capital is negative, your refund is not seed capital โ it is survival money. That is okay. Financial stability comes first.