HOW TO
Divvy Up
YOUR PAYCHECK
Use these allocations,
which are based on
national averages, as a
guide to your after-tax
spending. 35% HOUSING
(rent, utilities and
insurance)
5%
HEALTHCARE
(insurance & co-pays)
7%
RETIREMENT SAVINGS
(excluding emplorer match)
5%
OTHER SAVINGS
(emergency fund & other
goals)
5%
ENTERTAINMENT
(including cable bill)
15%
FOOD
(at home & eating out)
12% TRANSPORTION
(car loan & other expenses,
insurance & mass transit)
8%
DEBT
(student loans & credit
cards)
5%
CELL PHONE & INTERNET
3%
CLOTHING
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