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The 50/30/20 Rule Does Not Work for Families. Here Is What We Use Instead.
The popular budget framework assumes a certain life. Families are living a different one. The FIRE community has no shortage of frameworks. The 50/30/20 rule. The 4% rule. The bucket strategy. Someone’s cousin did it this way. Someone’s podcast recommends that one. Here’s the thing nobody talks about enough: those frameworks were mostly built by