the golden rule talked about in all of these books is "pay yourself first". at least 10% before you pay anyone else. why? because you deserve it. and it builds a good habit. i personally like to use the 50/30/20 rule--50% essentials (rent, food, utilities) ; 20% savings (financial obligations including yourself)--10% getting out of debt, 10% savings--after out of debt, your savings will go from 10% to 20%; and 30% for fun (non-essential expenses such as shopping, travel, & entertainment). This budgeting system, called Proportional Budgeting, is one I learned from the Navy Federal app with suggested tips for their members.

insane work. lfg