Hierarchical partition

Instead of one flat cut, stack two or three levels of grouping, and let each branch be split by its own rule. You then act at whichever level the decision lives on: broad strokes up top, fine distinctions only where they change something.

Instead of one flat cut, stack two or three levels of grouping, and let each branch be split by its own rule. You then act at whichever level the decision lives on: broad strokes up top, fine distinctions only where they change something.

Example

Your spending splits first into Fixed and Discretionary. Under Fixed you cut again into negotiable ($95 phone plan, $180 insurance) and locked (rent). Under Discretionary you cut into planned versus impulse. Four leaves, three different decisions, one shopping trip renegotiating bills.