This includes, for example, food, water, medication in the presence of a mental disorder or something delicious to cheer up, such as sweets or alcohol. I don’t know if it’s possible to put alcohol in the category of goodies, well, okay, I hope you understand what I mean.


Ideally you build your life around 50/30/20. 50 needs, 30 wants and 20 savings. I was more like 80/20/0 until I was 22. Then around 60/20/20 for a few years and now I’m at 30/40/30ish. Lucky to have made good financial decisions and starting early in a good career.