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@jasonrporter0316 Yes that is the general rule, but reading your comment above looks like you don’t want to save but rather spend on kids, vacations, home, etc.. I mean no one can tell you otherwise if that’s what you set your mind to.

@a83 Owning a small business has its ups and downs. Most small business owners won't tell you that they work 12 hours sometimes 7 days a week, come home late at night, forego vacations, and make not much profits after expenses and paying employees. There's no company match, build your own 401k...

@dsvloper88 I’ve been tracking with a little of budgeting for over 10 years. The huge increase in savings and networth has made it all worth it. People don’t realize the impact of tracking/budgeting and how much of a difference it can make.