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39,419 Views • Jun 14, 2024 • Click to toggle off description
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Uploaded At Jun 14, 2024 ^^
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RYD date created : 2024-09-01T17:01:32.919822Z
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YouTube Comments - 57 Comments
Top Comments of this video!! :3
This is actually a good advice. Listing the fixed cost first will help enlighten how much money left you actually have.
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This helped me to realize that I need to get my fixed costs down. That will be my main focus.
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20-35% for fun money makes my gut clench up when I hear that
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This is highly insightful information
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Savings is a bit tricky. F.e. that trip to Italy a lot of us would consider a saving, when you are saving up for that goal. Same as other big purchase or downpayment goal, etc. But its not really a savings, its just a future cost. So future costs and true savings (like the long term emergency fund) get mixed up in that category.
That trip to Italy, you could also consider a fixed cost, if you know that each year you are going to be travelling with your family and it will cost, idk, 5k. Then you could also treat that as your fixed monthly cost of $420 and not a saving.
In your example you treated the trip/vacation as a guilt free spending. That's only possible if you have such a high income that you can pay that off from your monthly income and it will not leave a bigger dent than 15% or so.
Very few people would be in that position.
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I love the idea of guilt free spending!!!
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Thankfully my wife’s boyfriend pays the gas bill, which is a huge help.
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Thanks brother !!!!
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2,3, and 4 fall under 1 for me unfortunately
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My fixed costs are too high because I'm overspending on alimony and child support. Any suggestions?
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I really do struggle to be comfortable with 20-35% as guilt free spending! There is no way i would spend that much on myself on a fortnight!
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What if you live in an expensive area or need to go slightly above fixed costs at 65% for one to two years?
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I like this method of budgeting
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this means you also need to know your take home pay. so 5 numbers
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What if your savings is fully funded? Do you move that over to investing?
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Diagree, 50% should be investment 25% fixed expense rest 5% savigs for emergency 20% vacation/ wants or guilt free
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Same as Barefoot investor from Australia, who’s stealing who’s ideas!!😂
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I don't like how you say "fixed costs should be 50-60%", because it sounds like if my fixed costs are lower e.g. 30%, I am doing something wrong and I should spend more on housing or buy more expensive car...when imo it is great to push fixed costs down (if you are able to, I know it's not easy) so that you can allocate more money to other things
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And staff
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@justindumond3281
2 months ago
I follow Ramit’s recommendations, but flip guilt free spending and investing. I’m content with 5-10% guilt free spending, and investing 20-35% of my take home pay every month brings me much more joy and a sense of security than taking expensive trips or splurging on nights out with friends
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