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“It is not about how much you make — it is about how much you save.”
“Everyone can make money, but few people can save their money.”
Follow the 50/30/20 rule
Split each paycheck after tax: 50% needs, 30% wants, 20% savings.
- 50% Needs
Rent, groceries, bills, transport — essentials you must pay.
- 30% Wants
Dining out, hobbies, subscriptions — nice to have, not required.
- 20% Savings
Emergency fund, debt payoff, investing — pay yourself first.