How does the 60/40 rule differ from the 50/30/20 rule? If you’ve met one savings goal (for example, you feel you have enough in your emergency fund), you can start a new goal, like building an investment account. For example, if you have debt to pay off, you could replace one saving category with “debt repayment.” Or, you could shrink all four categories to make room for a fifth. You may need to tweak these categories to suit your situation.
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