Unos consejos financieros de Ramit Sethi

Acá les va este plan de finanzas personales que sugiere el compa este Ramit Sethi. Este es el plan de gastos (presupuesto) que él recomienda. Así es pues que si no se hacen ricos no digan que fue porque nadie les dijo cómo 😉

“Sethi encourages people to engage with his conscious spending plan, which is quite similar to the popular 50/30/20 budgeting method (with the key difference being that he separates savings and investments. He suggests you divide your monthly income into four categories:

50-60% on fixed costs (housing, utilities, gas, groceries etc.)

5-10% on savings (long-term emergency fund, vacations, gifts)

5-10% on investments (post-tax retirement savings, stocks)

20-35% on guilt-free spending (dining out, movies, fun)”