The 50/30/20 Rule EXPOSED

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You may have heard of the traditional 50/30/20 rule of money. Well, this 50/30/20 plan isn't as smart of a financial plan as you might think. So let's analyze this budgeting system.
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The 50/30/20 Rule EXPOSED
0:14 - The traditional 50/30/20 rule of money
1:06 - Why the 50/30/20 rule doesn’t work as good as planned
1:40 - Saving is making you poorer
3:20 - The 50/30/20 rule encourages you to spend more on luxuries even if you don’t want to
4:48 - Comparing this 50/30/20 rule to my 50/30/20 rule
5:58 - Budgeting with our 75/15/10 financial plan
6:37 - Create a financial plan to thrive not just survive
8:18 - Old financial thinking isn’t enough
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This Video: • The 50/30/20 Rule EXPOSED
Channel: / minoritymindset
Video host: Jaspreet Singh

[@MinorityMindset]

Thank you for watching! If you enjoyed this video, you should watch - 5 WEIRD Things Making Your Finances Worse: kzbin.info/www/bejne/sGiag2uHgqh2ibM

[@chriswolf4828]

Thanks Jaspreet!! I really appreciate your videos. Hard to find someone honest and willing to share their knowledge. I’ve been trying to get my finances straight so I can start fresh and on the right path. I will definitely teach my kids as soon as they are old enough to follow your recommendations as well. Saving is definitely for losers as you point out in you videos. Public schools are worthless to be successful as they teach you nothing about finances. It’s very simple when you break it down. Thanks again 👍

[@josephhernandez3224]

Minority Mindset is buying gold a good way of saving?

[@jcabizo]

Hi Jaspreet, does your rule include retirement (e.g. 401k) or just everything after taxes and benefits deductions?

[@rabianharris1170]

I paid off $10,000 worth of my Credit cards and I got the drive from you, Jaspreet, and I am thankful for your help

[@jordynpenner9105]

Hell yeah! Congrats my guy!!

[@WarWulf778]

The 50:30:20 rule is an excellent beginner level tool for teaching responsible budgeting. It saved me from over spending and got me out of a hole. Of course I've moved on from it but I would always recommend it to someone if they claim to be "bad with money."

[@minmaxmedia]

But Jaspreet... a wise man once told me if I had $1 and I wanted to buy a pack of gum that costs $1, then I can NOT afford the gum because I don't have enough cash to buy FIVE of them :-P

[@MinorityMindset]

That is a wise decision

[@codybarnett2217]

He is saying how can he spend money to become rich if he can’t afford it 5x. I like your channel but you don’t go over what people should spend money on. Or like the other issue I see is not everyone can be entrepreneurs or KZbinrs. It’s impossible for everyone to become entrepreneurs.

[@codybarnett2217]

Everyone has to start somewhere. Some people start poorer than others. Now I am not saying that poor people can not become entrepreneurs or rich for that matter I am saying that if you can’t find a job or even if you do have a job but the living expenses are so high or if you have kids and you can’t afford to invest money in a small business it can make it extremely difficult. Not impossible but more difficult depending on a number of circumstances. But I guess you could use what you got for example if your wanting to start a KZbin channel you could use your smart phone camera until you get more money later.

[@brentpal]

@@codybarnett2217 how long have you been watching? He has videos talking about things to and not to invest in. And just like ppl such as dave Ramsey he is talking lifestyle changes as well which can lead to having more cash to invest with. I came from a very poor broken home and now i own a property which is zoned for multi housing and will be converting my detached 700sqft garage with paved alleyway parking into a rental to help me payoff and invest in other properties. Along with that i just bought a truck and will now be saving to get a food trailer to make extra money on the side to invest in more properties and businesses.

[@codybarnett2217]

@@brentpal Been watching for a while. But what I am saying is that he says that you should not buy things that you cannot afford 5x. One of those things he suggests investing in is real estate. Well if a house is 100,000 (my estimates are going to be cheaper because where I live housing is super cheap compared to the national average but wages are also much lower). That would mean I would need 500,000 dollars to afford it right? Or would that be an exception to the rule? Depending on how much money a person can save will determine how fast they reach that amount of money. But that does not account for inflation. How long will it take you to accomplish your goals of running a food truck and property?

[@gwillis01]

The 50/30/20 plan is a good transition away from the infamous lazy budget plan of 50 percent needs 50 percent wants and 0 percent savings. Some people have to struggle hard to cut down their spending on wants from 50 percent to 30 percent.

[@antbanks415]

Actually, the 20 percent on that budget allows you to either: pay off your debt, then save for emergencies, then after that, invest your money.

[@MarkPharaoh]

Still silly to have “wants” a higher percentage than all of that

[@shaereub4450]

That's for wants and needs. This is for spending saving and investing (saving and investing should be separate for obvious reasons).

[@gaeb-hd4lf]

@@MarkPharaoh Probably more silly is having regrets when you are old because of no enjoying life more when you were younger. Personally i think that wants:save ratio is pretty optimal (save including investments and debts payment too obviously)

[@grecojones]

Maybe define the investments as wants

[@MinorityMindset]

That would turn things around

[@wev2344]

Nope, investments have never been in wants. Investments are considered as part of the 20%. On the other hand, this rule can be modified or customized. I’ve seen where this was made by gender. Therefore, you could do that, but the part where the 20% is not for investing is wrong.

[@iloveprivacy8167]

@@wev2344?? That doesn't even make sense (& I don't think I even want to know how you got gender into this).

[@Subie84]

I “want” big gains 😁

[@luisdizon2486]

I was under the impression that investments counted as savings. At least, that's how the 50/30/20 rule was explained to me.

[@ryancarandang4489]

nah even still thats not good. since its competing with your savings for that percentage your actual investments and savings are effectively halved. which is no bueno.

[@thescrybe]

Once again. This is gold! So glad I found this channel!

[@vinchel118]

Sound advice, humor and colorful turbans. I love this channel.

[@deejethwa]

Thank you for breaking down how to create a budget.

[@VSS1]

Take your money. Spend as little as you can. Save the rest and invest it. Spending isn't going make you happy, spending makes you poorer.

[@AdultingShouldntSuck]

But if I spend it I can have a boat. And boats make people happy... right?

[@deangohan]

I’m a UK subscriber. You are the best. Your videos have opened so many avenues that have greatly improve my life. Most greatful keep thriving 🙏🏾

[@Contra010]

Jaspreet's videos are always great! I always look forward to them...Good Work!

[@M0rdFustang]

Excellent content, a good reminder for me 👍

[@gregcountryman8770]

Jaspreet, I just want to give you a compliment. Thank you for evolving old financial methods for the modern day.

[@leonm.burroughs4807]

Man, I love this channel.

[@MinorityMindset]

Thanks for your support!

[@jribasvilanova]

There's another variation of this rule: - You can spend up to 50% of your income in needs. - You can spend up to 30% of your income on wants. - You must spend as less money as you can in needs or wants, and you must save or invest whatever you don't spend. - You must save or invest at least 20% of your income as soon as you get it. At the end of every month or week, you must save or invest anything left. - You must save everything you can until you have 6 months of your needs and wants saved. Then, you must invest everything else.

[@davidjd123]

thats how I do it, its a great rule to get started. its not a advance budget strategy but it works.

[@wev2344]

Did I really just hear you say that this rule doesn’t allow investing? It goes more like this from what I read and learned from Elizabeth Warren’s concept: the 20% should be used to pay down debt first and then after that used to invest in your retirement. The choice is up to the individual as far as I can tell.

[@tshepim6214]

That's what I thought too. Also it's not set in stone and unchangeable, it was just a guideline. You can have 40% on needs, 20% on wants and 40% on savings which include investing too.

[@juannavarro3620]

Excatly it all boils down to the individual.

[@craigb4449]

Yeah dude didn’t get it. I flipped the 30/20 and save 30% and invest it

[@josephsebastian8499]

Thankyou Jaspreet, The biggest question that I was having about 50/30/20 or the 40/20/40 rule was hot to be saving 3-6 months of one's income. This is first video that clarified it properly.

[@ChrisInvests]

If you're fine waiting until your 70s to retire, this budgeting method is probably fine 🤷‍♂️

[@MinorityMindset]

😂😂

[@akin242002]

Investing includes property too.

[@sfrealestatedealmaker6001]

Agent_WestCoast A If it creates positive cash flow yes.

[@TheMindofRa]

To me the system reads 50% on bills and needs, 30% consumable/entertainment spending, 20% saving and investing. Aka. Save until you have 3-6 months at least saved up in liquid capital and then invest the rest of your money into various other assets.. keep compounding until you reach a place where you can afford to live your dream lifestyle on only the interest generated by your assets... after that point donate the money you would have saved.

[@johnjara3822]

Good budgeting rule, I'm going to try it. Thank you.

[@bernadettekariem5902]

Thank you.

[@pamelahough3896]

I'm a big saving believer! Thanks for pointing out those man! You're an eye opener

[@jymnastyx]

Why can't I LIKE this TWICE? Love your content Jaspreet!

[@brookswoodward7278]

Good stuff.... Hopefully more people take your advice.

[@GenExDividendInvestor]

I like Not so Nice Jaspreet 50, Nice Jaspreet 30, and Remaining Jaspreet 20!

[@MinorityMindset]

😂😂😂

[@aadityas.9820]

Thank You Jaspreet. :)

[@MinorityMindset]

You're awesome!

[@TheGoat-qw6jb]

Jatspreet, can you make a video about what exactly you invest in?

[@jeremysanders8512]

Always appreciate you brother! Excited to manifest every finical increase for my family, and tell you how much you’ve been part of that

[@AurelioPita]

Come on, 50/30/20 it's a rule of thumb to start saving. It's nothing really wrong with it. People should adapt to their personal case.

[@davehome8592]

This guys super practical and smart much respect

[@RAndomlyEntertained]

You speak truth and extremely humorous with it.

[@amandarivera3833]

Most def had to rewatch this considering these uncertain times. Thank you! P,S, do you advise we save at least one year now instead there's another pandemic? Life insurance is another video

[@Rocioslane]

Wow this makes so much more sense

[@aceoline]

I found your previous video on the ratios and I have been happily following them for the past two months. When I pay off my consumer debt in Feb 2020, I will reduce my spending ratio from 75% to 65% and increase the others as well. The goal is to get to 50% in 2024, after I pay off my mortgage.

[@nicholasbackwell1869]

How do you incorporate your financial strategies into an inbox system like the traditional envelopes or a digital inbox solution like YNAB or DR Every Dollar?

[@ro-zmo9289]

I ❤️ that FACT that you are so funny 😂🤣😂 ...oh and pretty smart too! Keep up the videos and i will keep sharing your stuff.

[@victorialadybug1]

So Jaspreet, what do you think about the negative interest rates that may be coming to the US?

[@iamnottheone3020]

After saving up a 6 month emergency fund the 50/50 plan is a WINNER for sure🙌🏾

[@felipebarron3479]

What's the 50/50?

[@AlfredoR1227]

Spend 50 and invest the other 50 👍

[@iamnottheone3020]

Yep invest the other 50 into income producing assets AFTER you have a 6 month emergency fund in place. Living below my means is 🔑.

[@princesslamour1985]

50% on debt. 30% on fixed expenses ie BILLS/groceries/ fun money. 20% savings emergency fund investing....sounds good to me. What's bad about it?

[@nomadicvibesofelle]

You're 50/30/20 rule is the same rule that I gave my daughter. I told her to follow it as long as she can while she is young and doesn't have any responsibilities. She will leave for college in a year.

[@AdultingShouldntSuck]

That’s a good rule when you’re young! How much was she able to save before heading off to college?

[@AdultingShouldntSuck]

I wonder how much that financial advice from you put her ahead of her peers for financial stability... I doubt many others were as lucky as she was to get that type of solid advice!

[@Themystergamerr]

That's it- I'm convinced that big business is secretly behind this budget lol

[@Bembeleke]

The 50 is mandatory as long as it's possible the 20 is the minimum and the 30 can be adjusted to feed the 20.

[@mbabcock111]

Bravo!

[@TWIM1971]

Hey Jaspreet what do you think about getting to the point where you can set up to do 30/60/10?

[@David-cv4ux]

Hey Jaspreet, love the channel. I've been watching for about 8 months now. Wondering if we work off the 75/15/10 rule and blend it to 75/25, how does this work with a mortgage? If I am currently investing 25% and have paid the minimum into my mortgage .... with what's left over from my 75% should I put that money into investing or extra onto my mortgage?

[@GetSmartUniversity]

Facts! 💯

[@scazz007]

The compounding effect...👌

[@OwnYourWEALTH]

This is the best video ever on 50/30/20. If anyone wanted to know this in more layman terms we got one too.

[@pamelasherring1476]

Great presentation and advice as usual. I am too late to this party as I will be retiring in near future. Being a person of minority I have done reasonably well. I followed the rule of 40/60 . 40 % of after tax income spent on living expenses,60% saving only. Interest rates were better then. If I knew then what I know now I would have done better than what I have achieved. Though I have hit that magic number suggested for comfortable retirement in my employer offered retirement plan as I always contributed the max amount allowed and invested in stock market, initially 50/50 and 100% stocks for past 10 years or so.Debt and mortgage free. Keep inspiring us. Thank you.

[@mauiwaui773]

Notifications coming in clutch this morning! Nobody likes not so nice Jaspreet! lol

[@kayleighmoliver]

Thanks. This is a really good and simple breakdown. One question though. Where do you include deposits directly into your retirement account? Do you not put any money aside every month for this because you "could" be contributing via your employer?

[@baileyelliott7277]

Who came up with that rule? It don’t even make any sense.

[@shaereub4450]

Make sure you control your spending habits. You spend some, save some, and invest some.

[@aaron_anil]

Hello jaspret, im new to this channel. I understand that this video is 3-years old, but i have one query with regards to your 75/15/10 rule? Which category does mortgage payment fall under?

[@TeahM]

lol i took the 50/30/20 Rule and did 50 need/20 want/30 saving&investing,

[@RupeCapone]

Mine broke down the same way. Outside of receiving a massive raise my one-bedroom apartment, insurance and utilities hit 50% on their own.

[@shaereub4450]

I make about $20K/year. Expenses are under $10K. $6K would max out my Roth IRA, which leaves me with $4K left to save.

[@BodaciousWench]

@@shaereub4450 4K left to invest

[@shaereub4450]

@@BodaciousWench the $6K/year for my Roth IRA is 30% of my income. Adding the last $4K would make it 50%

[@aaronturvey8930]

@@shaereub4450 To Invest so you can make more than 20k a year and instead compound it every year and max out more savings accounts what Roth IRAs are is basically a private retirement fund which is saving money for the future 😂with a little bit of interest

[@metalMARCUS1]

Ok I get it and I can do that! But how do I invest and what do i invest in??

[@MikeTanner3210]

I'm new here, So is there a video that tells us what investments from where ?

[@benddover3093]

What platform outside my company’s 401K do you recommend?

[@nicholasmethu8012]

I always thought 50/30/20 was 50% Living off, 30% save in case of emergencies, and 20% for investments?

[@harmanjotsingh4230]

I mean, if that is your mindset, then good, way better than traditional. It just depends on the people, whether they are literate enough to make investment a want or not.

[@prome57]

My budget strategy is cruel. 300 a month is what I can spend on myself. After expenses (insurance phone debts if any and rent) everything else gets invested. Ive done this with any amount of income ive made and any time I broke this rule and splurged I paid dearly.

[@sarahgoddard2001]

I always thought that 50% went to rent, needs, bills. 30% went to investments and savings. 20% goes to emergency fund and spending. I thought mine version needs some work, but holy shit I feel accomplished after hearing this version.

[@chrisredfield3240]

Just my rent is 50% of my income. Bills on top 20%, i also have a child and food to pay for along with a vehicle.

[@JaeWest]

I'm behind. I may step it up to this one.

[@pedroaguilar4824]

I have saved my emergency fund. I still have a student loan of 32k I pay 30 over the minimum which is 550. Last two months I started paying an additional 250 since I paid off my credit cards. Which leaves me about 1400-1500 to start investing or paying off my loan. With all honesty I want to quit my job and was planning to save. I have started selling on eBay and averaging about 300 net a month part time. I know this is not enough since my monthly cost of living is 2600 a month. I feel like my mind is everywhere trying to figure out what I want to do or where to invest.

[@xcurrentbreeze6626]

You got it man. Keep doing your research, make a plan, and stick with it - sometimes everyone gets overloaded with too much information, just make a choice. I'm sure you'll do fine. Even if it doesn't work out, at least you tried and gained valuable knowledge. If it does work out, you'll be in a much better position. Do whatever will minimize your regret in the long term.

[@pedroaguilar4824]

@@xcurrentbreeze6626 much appreciated

[@iamOAKland]

Pedro Aguilar wtf... why quit your job when you haven’t paid off your Student Loan... why quit your job when you can save and invest more money from your side business....

[@samantaluna3870]

What about saving in precious metals?

[@darwinvasquez2397]

Jaspreet, does investment amount include 401k contributions?

[@markjeevaratnam7365]

Jaspreet, to which 50/30/20 category would you allot federal student loan payments made during current CARES Act FSL forbearance? Would you attribute it to a different category once FSL begin accruing interest again after September 30? Thanks, Mark.

[@iamOAKland]

It’s easier to spend what’s left than to save what’s left mentally.

[@enigmathegrayman2953]

Happy Black Friday everyone! 👋🏿 enjoy your 50-75% 😏

[@VSS1]

Stay at home, save 100%.😂😂😂

[@enigmathegrayman2953]

Vic Sandhu Yes, that’s me save 100% a mall is no place for me to be! 👍🏿

[@enigmathegrayman2953]

Marie Michaels 👍🏿

[@akin242002]

@@VSS1 People still spend a lot from their home computer. Spend time with family and off the computer for Black Friday.

[@VSS1]

@@akin242002 yeah sorry I tried to understand that, it didn't work. Could you please reconsider your words and the order to make it easier for me understand. I would l be ever so grateful.

[@harmanjotsingh4230]

What about saving for taxes?

[@RodasYonass]

Not so nice Jaspreet is the only one I'm listening to from now on. Another great video!

[@MinorityMindset]

😂😂😂

[@stephaniepadilla8468]

Jaspreet you’re awesome!

[@fireknight673]

Very very sound advice listen to this guy please

[@Masrex]

This is the plan I follow now because of you Jaspreet- used to only have about $150 in assets back(Oct 2018) then now I’m at $8.5k, more than I’ve ever seen in my entire life. Thanks Minority Mindset!!

[@Off_the_clock_astrophysicist]

Another thing is that the 50/30/20 rule might have been designed at a time when putting $1 into a bank account for a year would give $1.05 at the end. In the 1990's CD's had that kind of return. When I was a child, savings accounts came close to that. In the era of zero to negative interest (as is the case now in some countries), keeping too much cash or money in the bank is not wise.

[@mightquinnable]

Okay, how would I invested tho. Where would I put that money

[@aaronwilson3050]

Plus if you include the 3 dollar service charge your actually losing money in your savings account

[@One-Crazy-Cat]

I’m still on the 125% mess. Spending 125% of what I make.

[@harmanjotsingh4230]

Using credit cards or what?

[@joego7924]

Buying Gucci gold plated toilet paper!

[@luke7842]

Sounds great in theory. But when your basic expenses come to 100% of your income its not that easy. My focus for now is just to earn more!

[@M0rdFustang]

Earning more really does work

[@bendailymoney3183]

I agree! The rule does not include paying debt!☝

[@MakTony]

Watching this made me look at my income/spending ratio. I want to save and invest more.

[@videozoom12]

After the 6 months saving how would you go about saving for something big like graduate school or 20% down for a house?

[@felipebarron3479]

Pay off all your debts first then start saving money for a down payment without touching your emergency fund

[@ICYkoncept]

Send a hefty portion of your 6mo fund to a high yield account (some online banking place). Leave a portion of that in your checking acct in case of larger right now emergencies. For your big purchase savings, you can either go to a financial company for a managed account (i'm sure a lot of ppl are against this, but if you wanna do 0 work this is easiest). Otherwise invest in what ppl consider ultra safe funds (SPY, DVY, etc). This way your money is generally safe, liquidatable when necessary, and gets some growth.

[@jakemf1]

So we think there will be a market down turn what to do with cash we are saving if inflation effects it negatively

[@DrSinghDMD]

Is paying mortgage considered investment as we made an asset with that

[@TeddyRen]

This ain't the rule I was taught. I was taught take the 20% for liquid savings like emergency fund and once I finish that then I can use it for myself but the 30 is savings that is put into investments and IRAs

[@danhill150]

My understanding was savings also included retirement accounts. Dunno if it's a high enough percentage though 🤷‍♂️

[@hakimdiwan5101]

Wonderful when I first heard about 50-30-20 I thought exactly the same as you which is 50 for all spending, 30 for Investments and 20 for spending. Although irony of my life is that 90% goes into spending :'(

[@gabrielsanchez4207]

What if you want to save for a down payment for a house? Where does this come in? 🤔

[@Raj-doot-online]

I'm saving buddy on 7% interest rates per year betting the inflation rate 3% for sure

[@MinorityMindset]

Wow, that's awesome

[@Guernsey576]

I was using 50/30/20 but now my pay has increased its more 33/33/33. My needs are monthly expenses, food and petrol etc. My wants is short term savings for holidays, car maintenance etc. My savings are actually invested for retirement. It's how you interpret it.

[@mosesalofokhai]

With all due respect but your rule should always include a savings portion because 6 months expenses is valid for the first year but because of inflation this time frame will keep going down over time. I would have thought you continue to save but did so at a lower rate ( 3% to offset information) but hey thats just a theory a money theory aaaaaand cut

[@RamaSivamani]

Question where would your put genrosity and donations in your budgeting? Do you budget seperately for that or does that simply fall into the 50% spending? Would you think it is better to create a 40/30/20/10 rule if your goal is to pay it forward in life with atleast 10% of your income? I ask because you set the spending percentage as a maximum but you set the investing and saving percentages as a minimum. My method sets the 10% generosity as a minimum so that's why I am wondering if for those people who say giving back is important to them in life that creating a 40/30/20/10 budget is better.

[@VisualsByMikal]

Trigger, trigger, trigger! 🤣🤣🤣

[@worknman78]

I'm sure that you may have addressed this before, but what are your views on Employee Stock Purchase Plans? I contribute 7% to mine, and on average it gives a 25% return after the 15% discount and the look back option. My 401K has given less than impressive returns, so I'm considering pulling out of the 401K and maxing my ESPP out at 20%, would that be foolish?

[@pondboy3682]

It's a mix of good and bad ideas, and before you do anything rash, you need to read a financial book each month (free at a library), and read the fee structure of your 401K. Only investing in one company is foolish. A 25% growth rate is amazing, but probably not a sustainable average for decades, and if the company tanks one day, your savings do, too! Pulling out of your company's 401K may be a great idea! Although companies are legally required to try to find the best plans out there, there's no real guidance on how to figure this out, and many companies end up offering accounts that brokers advertised the best. You can likely do better.

I use a modified 50/30/20 rule myself, 50% investing / 30% needs and wants / 20% investing for retirement

[@FinancialShinanigan]

The only saving that will make you rich is saving that Black Lotus magic card!

[@edwiniseman4]

LOL

[@formzino]

Does a pension count as an investment?

[@elizaknight6980]

I invest 50%, use 30% for both want and need, pay tax 20% :)

[@jakemf1]

Eliza Knight spot on

[@ayushpant6190]

Looks like you earn a lot XD

[@elizaknight6980]

@@ayushpant6190 not really. I only earn 38k last year. But I do have low rent :)

[@ayushpant6190]

@@elizaknight6980 could you tell me how you spend your money every month?

[@elizaknight6980]

@@ayushpant6190 my income wasn't stable last year so it is difficult to calculate. I graduated 2 years ago. I did manage to buy 3k car and invest a lot in mutual fund though :D

[@benforwho]

Great common sense advice as always, but, I will continue to buy the premium toilet paper! 👍

[@MinorityMindset]

😂😂

[@M0rdFustang]

Same lol, life is too short to wipe with shitty toilet paper Pun fully intended

[@gwillis01]

Hello dude