“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