11. Build extra payments if you’re able to
11. Build extra payments if you’re able to 50% of the finances to need (housing, resources, insurance, groceries, transport, and minimal student loan payments) 30% of the finances toward wishes (hobbies, dining out, entertainment) 20% of your own finances into the coupons (crisis fund, old age coupons, even more principal repayments with the college loans, …