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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
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