“39% spend 2/3 of monthly benefit in the first 4 days.”
Perhaps don’t put the whole monthly benefit on at one time.
Maybe put 25% on day 1 of the month, 20% on day 8 of the month, 20% on day 15 of the month and the last 25% on day 22 of the month.
It’s all computer added, so it wouldn’t be expensive to do.
Sorry about the math error, try:
Maybe put 25% on day 1 of the month, 25% on day 8 of the month, 25% on day 15 of the month and the last 25% on day 22 of the month.