The 50/30/20 Budget Rule: Does It Still Work in 2025?
Is the classic 50/30/20 budgeting rule still relevant in 2025? Let’s break down how to adapt it to today’s economy.
The 50/30/20 rule suggests:
- 50% of income goes to needs
- 30% to wants
- 20% to savings or debt
In 2025, with inflation and side hustles common, you may need to tweak it. Try:
- 60/20/20 for high cost-of-living areas
- 40/30/30 if you’re aggressively saving
Budgeting is personal. Start with this rule, then refine it.
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