Your salary is your monthly 100% life bar. Spending damages XP. Extra money becomes level-up power.
Example: If salary is $2,000, then $2,000 = 100% XP. A $500 drop costs 25% XP. A $1,000 increase gives 50% XP.
Level 1.00
Salary = 100% XP
Extra XP above 100% goes here.
Earn excess XP to level up.