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+“It’s not about how much you make, it’s about how you manage what you make”
+
+# 15/65/20 system 
+15% rescue buffer:
+at least one month of critical living expenses buffer
+compound interest: investing less earlier pays off more (time matters)
+
+65% Fundamental expenses:
+Mortgage 
+Groceries
+Utilities 
+Everything required to live 
+65% is a hard cap to prevent these costs from ballooning
+
+Categorize spendings to be able to see where they go
+
+20% Guilt free enjoyment
+This can be used for anything we’d like to