The 50/30/20 Budget is the simplest rule in finance.
The Rule in 3 Lines
- 50% needs: Fixed bills, food, transportation.
- 30% wants: Leisure, streaming, restaurant.
- 20% future: Reservation, investments, payment of debts.
Real Example: R$4,000
| Category | % | Value |
|---|---|---|
| Needs | 50% | R$ 2,000 |
| Wishes | 30% | R$ 1,200 |
| Future | 20% | R$ 800 |
⚠️ Notice: If you have debts, reverse: 50% needs, 30% payment, 20% future.
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