09/08/2025
𝗧𝗵𝗲 𝟱𝟬/𝟯𝟬/𝟮𝟬 𝗥𝘂𝗹𝗲.
→ the simplest rule to start being financially stable.
Every time I get money from airdrops, side gigs, or paychecks it feels like a win, but before I even realize it, it’s all gone. Days pass, and I’m left wondering, where did it all go?
I felt rich in just a few days and broke again. Then the process repeats again and again and again.
I'm not even aware that I'm spending more on my 𝗪𝗔𝗡𝗧𝗦 than my 𝗡𝗘𝗘𝗗𝗦, and worst of all, nothing was left for my 𝗦𝗔𝗩𝗜𝗡𝗚𝗦.
This cycle, from earning to spending, and ending up broke again, honestly makes me anxious about my future.
So I find a way out of this cycle, and that’s when I read 𝘁𝗵𝗲 𝟱𝟬/𝟯𝟬/𝟮𝟬 𝗥𝘂𝗹𝗲.
It's a rule where you tell your money where to go, instead of wondering where it went.
It's as simple as this:
Every time you receive a paycheck. Divide it into 3 categories.
𝗧𝗵𝗲 𝗡𝗘𝗘𝗗𝗦, 𝗪𝗔𝗡𝗧𝗦, 𝗦𝗔𝗩𝗜𝗡𝗚𝗦.
𝟱𝟬% → 𝗡𝗘𝗘𝗗𝗦
• Food, rent, bills, transport, or anything that you can't live without.
𝟯𝟬% → 𝗪𝗔𝗡𝗧𝗦
• Netflix, hobbies, fast food, or anything that makes your life comfortable but aren't necessary.
𝟮𝟬% → 𝗦𝗔𝗩𝗜𝗡𝗚𝗦
• Emergencies, life savings, retirement funds, or anything that builds your future.
What I like about this rule is that it works and is realistic. Instead of cutting out everything for myself, I'm just creating limits.
This rule has already changed the way I treat money, from saving what's left after spending to spending what's left after savings.
As the famous finance author 𝗗𝗮𝘃𝗲 𝗥𝗮𝗺𝘀𝗲𝘆 said.
“𝘛𝘦𝘭𝘭 𝘺𝘰𝘶𝘳 𝘮𝘰𝘯𝘦𝘺 𝘸𝘩𝘦𝘳𝘦 𝘵𝘰 𝘨𝘰 𝘪𝘯𝘴𝘵𝘦𝘢𝘥 𝘰𝘧 𝘸𝘰𝘯𝘥𝘦𝘳𝘪𝘯𝘨 𝘸𝘩𝘦𝘳𝘦 𝘪𝘵 𝘸𝘦𝘯𝘵.”
