Track four key numbers for financial success: fixed costs should be 50% to 60% of take-home pay, savings 5% to 10%, investments 5% to 10% (the more invested, the more wealth created), and guilt-free spending 20% to 35%. Fixed costs cover rent, debt payments, and groceries. Savings should include emergency funds and down payment savings. Investments are crucial for wealth creation. Guilt-free spending allows for personal indulgences like going out or buying items you enjoy.

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