problems with the 50 30 20 rule
The 50 30 20 Rule Is A Fantasy For 3 In 5 Workers
Short answer: the 50/30/20 rule is not realistic for most workers because typical housing costs already consume a large share of pay. It assumes a stable cost structure that many households simply do not have. The 50/30/20 rule allocates 50% of take-home pay to needs, 30%