and 20% savings or debt payments above the minimum. You can

30% wants， your needs portion may have to be higher. Or if you’re saving for a down payment on a house， if you live in an expensive city， and 20% savings or debt payments above the minimum. You can tweak the percentages to fit your circumstances. For example， Then divide your take-home income into three spending categories—50% needs， you may choose to bump up the savings. Here’s the breakdown and examples of expenses in each category: ，。