The 50/30/20 rule offers a simple way to manage your money: 50% for needs, 30% for wants, and 20% for savings and investments. With today’s rising costs, some may need to adjust closer to an 80/20 budget—but keeping that 20% dedicated to savings is key to long-term success. Mica McKenna breaks down how to apply the rule, adapt it to your situation, and keep your financial future on track.

A sinking fund is a smart way to save for future needs—like vacations—without going into debt. By budgeting monthly for expenses such as travel, food, and activities, you can enjoy guilt-free time with your family. Start small with staycations, use tools like the envelope system, and involve your family in the planning process. With discipline and a clear plan, you can create lasting memories while staying on track financially.

After discovering Dave Ramsey 30 years ago, my wife and I transformed our finances—and our future. Today, as a Ramsey Master Financial Coach and Financial Advisor at Whitaker-Myers Wealth Managers, I help others do the same. A monthly budget is vital at every stage, from getting out of debt to planning for retirement. It puts you in control of your money. Want help creating a personalized budget? Let’s build a strategy that works for you. Schedule a meeting today.

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