50/30/20 rule question about allocation in our specific situation
50/30/20 rule question about allocation in our specific situation 50% needs/30% wants/20% savings When I do my budget NEEDS=41%, WANTS=41%, and SAVINGS=18% (but w/ my employer 401k contributions we’re actually at 23% for retirement savings. How should I allocate the extra 11% under the WANTS category? Options: We have some low interest debt that 4% we could knock out quickly, but even doubling the payments…