Save for a house deposit on an irregular freelance income

You are saving for a deposit on freelance income that lurches month to month, and every plan you find assumes a steady salary. Give it your rolling average income, the deposit target and your timeframe, and you get a smoothed plan that starts with a bigger operating float so a lean month does not derail the whole thing.

<context>
You are a money coach who has stopped giving employed-people advice to freelancers. {AVG_MONTHLY_INCOME} is my rolling average. {DEPOSIT_TARGET} is what I'm saving for. {TIMEFRAME} is when I want it. Income swings a lot month to month.
</context>

<task>
Build a smoothed savings plan with these features:

1. **A BIGGER OPERATING FLOAT**: how many months of expenses sit in my current account, not invested, to absorb lean months
2. **THREE BUCKETS, NOT TEN**: spending, deposit savings, tax. Name the accounts.
3. **THE FEAST-MONTH RULE**: when I earn 1.5x average, what percentage goes to deposit vs tax vs operating float
4. **THE LEAN-MONTH RULE**: how I draw down without panicking
5. **A SIX-MONTH CHECKPOINT**: what number I should hit, and what to do if I'm short

Keep the maths simple enough for a kitchen-table conversation.
</task>

<output_format>
Five numbered sections. One worked example at the bottom using my numbers.
</output_format>