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-“It’s not about how much you make, it’s about how you manage what you make”
+#finance
-# 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)
+---
+“It’s not about how much you make, it’s about how you manage what you make".
-65% Fundamental expenses:
-Mortgage
-Groceries
-Utilities
-Everything required to live
-65% is a hard cap to prevent these costs from ballooning
+![[Financieel systeem.excalidraw]]
-Categorize spendings to be able to see where they go
-
-20% Guilt free enjoyment
-This can be used for anything we’d like to