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That 50/30/20 rule finally clicked after I ran my own numbers
I kept seeing that rule everywhere online but thought it was too rigid for real life. Then last month I sat down with my bank statements for Austin and actually split my spending into those three buckets. My wants were at 42%, way over the 30% cap, and that hurt to see. Turns out my daily $6 coffee habit plus takeout was eating an extra $180 a month. Anyone else find their real numbers way off from what they assumed?
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