65-20-15 Money Framework

Split your net income into three buckets: fundamental (65%), fun spending (20%), and future you (15%).
Fundamental covers core living expenses like rent, utilities, and minimum debt payments.
Fun spending includes leisure activities.
Future You is allocated to savings, investments, and extra debt payments, planting seeds for tomorrow's you.
If living paycheck to paycheck, reduce fun spending to save more for the future or if housing costs exceed 80-90% of the budget, start small with savings, even 2-3%, to build the habit.

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