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Harvard bankruptcy professor Elizabeth Warren (US Senator from Massachusetts) and her daughter Amelia Warren Tyagi popularized the 50/30/ rule in their 05 book All Your Worth The Ultimate Lifetime Money Plan The goal of this budgeting plan is to give people a simple outline of how to balance their wants, needs, debt, and savingsThe 50/30/ guideline doesn't addup for most Americans where many people live paycheck to paycheck There's a growing lack of financial stability and security across the country and different family situations It's hard to build a nest egg when you can barely afford the nest Explore more situations or 50/30/ budgeting worksheet  The rule (sometimes called the rule) is a budgeting template that allocates 50% of a monthly budget toward essentials, % toward financial goals like savings or reducing debt, and 30% toward things you want This budget allows you to plan for every dollar you earn and create a budget based on your entire net income Is The 50 30 ...