월급쟁이 머니노트 | 직장인 돈 되는 정보 저장소

  You've probably heard of the 50/30/20 budget rule. It's one of the most popular personal finance frameworks out there, and for good reason — it's dead simple. But here's the thing. Most articles just explain what it is and stop there. Very few actually show you how to apply it to your real paycheck , what to do when your rent alone eats up 60% of your income, and how to adjust the rule when life doesn't fit into neat percentages. I've been using a modified version of this rule for over a year now, and it completely changed how I think about money. Not because the rule itself is magical, but because it gave me a framework to stop guessing and start deciding. This guide goes beyond the basics. I'll walk you through the actual math with real numbers, show you where most people get stuck, and give you a realistic version that works even if your budget is tight. What Is the 50/30/20 Rule? (30-Second Version) The rule says you should split y...