Cash-Flow Planning

A Budget That Pays You First

The 50 / 40 / 10 Rule

Give every dollar of take-home pay a category before it arrives: 50% to needs, 40% to support your future, and 10% to deliberately enjoy.

Needs
50%
  • 1Housing & utilities
  • 2Groceries
  • 3Transportation
  • 4Healthcare
  • 5Insurance
Invest
40%
  • 1Emergency Fund
  • 2Non-Qualified Accounts
  • 3Life Insurance
  • 4Retirement Accounts (401(k))
  • 5Real Estate
Wants
10%
  • 1Dining out
  • 2Travel
  • 3Entertainment
  • 4Hobbies
  • 5Upgrades
Most budgets save whatever is left over. This one funds your future before it can disappear.