Pro tip: I found out the 50/30/20 rule gets tossed around like gospel, but a stat from a 2023 survey says only 1 in 3 people actually hit the 20% savings mark

Pat Moore · 2026-10-18T11:15:05.288507+00:00

So is the 50/30/20 rule a solid starting point or just a feel-good target that sets people up to fail, because I found that stat on a budgeting blog called The Penny Hoarder and it made me wonder if I should switch to 60/20/20 instead and want to hear how others structure their split.

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Pro tip: I found out the 50/30/20 rule gets tossed around like gospel, but a stat from a 2023 survey says only 1 in 3 people actually hit the 20% savings mark | Budgeting Wins - Free To Speak