The 50/30/20 rule: Modern take on budget planning (C1)
In today’s fast-paced world, where expenses seem to multiply and savings often take a backseat, young professionals are constantly searching for practical ways to manage their money. Enter the 50/30/20 rule – a straightforward yet powerful budgeting approach that’s gaining traction among millennials and Gen Z workers.
Breaking Down the Numbers
The beauty of the 50/30/20 rule lies in its simplicity. Instead of tracking countless expense categories, this method divides your after-tax income into just three main buckets:
- 50% for Needs
- 30% for Wants
- 20% for Savings and Debt Repayment
The „50” – Essential Needs
Half of your monthly income should cover your basic living expenses – the non-negotiables that keep your life running smoothly. These typically include:
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