Dattatray Dagale

Stop Pretending the 50-30-20 Rule Works Without Tweaking It

I spent three months following the 50-30-20 rule exactly as the internet told me to. You know the one — 50% needs, 30% wants, 20% savings. Clean. Simple. Perfect on a spreadsheet. I downloaded a template, color-coded it in Google Sheets, set up automatic transfers on HDFC's app, and felt like a financial genius for two weeks. By week four, I was angry…