How should I budget with variable income (base + bonus + RSUs)?

Budget based on your base salary only — that's the predictable part. Treat bonuses, RSU vests, and any other variable comp as windfalls. When they hit, you can put them toward your cash buffer, pay down credit cards, or boost savings. This way your monthly budget is always realistic and you're never counting on money that might come in differently than expected. Allocate's budget setup uses your regular payroll to suggest amounts, which is exactly this approach.