{"id":105,"date":"2026-10-18T15:00:00","date_gmt":"2026-10-18T15:00:00","guid":{"rendered":"https:\/\/www.wealthsmartadvisory.com\/blog\/?p=105"},"modified":"2026-10-18T15:00:00","modified_gmt":"2026-10-18T15:00:00","slug":"the-80-20-budget-a-simple-rule-for-people-who-hate-tracking","status":"publish","type":"post","link":"https:\/\/www.wealthsmartadvisory.com\/blog\/2026\/10\/18\/the-80-20-budget-a-simple-rule-for-people-who-hate-tracking\/","title":{"rendered":"The 80\/20 Budget: A Simple Rule for People Who Hate Tracking"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Many of my clients prefer a streamlined approach to money management, especially when traditional tracking feels overwhelming or unsustainable. The 80\/20 budget is a straightforward rule: set aside 20% of your take-home pay immediately\u2014ideally to build your emergency fund first\u2014and then allow yourself to spend the remaining 80% with less restriction. This method can be especially helpful for those just beginning to take control of their finances or anyone with variable income. It\u2019s a practical starting point, though I advise those managing significant debt to consider a more tailored strategy for aggressive repayment. As always, designing a wealth blueprint that fits your unique goals and circumstances is key. Wealth is engineered, not left to chance.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.thebalancemoney.com\/dont-like-tracking-expenses-try-the-80-20-budget-453602\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Many of my clients prefer a streamlined approach to money management, especially when traditional tracking feels overwhelming or unsustainable. The 80\/20 budget is a straightforward rule: set aside 20% of your take-home pay immediately\u2014ideally to build your emergency fund first\u2014and then allow yourself to spend the remaining 80% with less restriction. This method can be [&hellip;]<\/p>\n","protected":false},"author":433,"featured_media":106,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/105","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/users\/433"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/comments?post=105"}],"version-history":[{"count":1,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/105\/revisions"}],"predecessor-version":[{"id":107,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/105\/revisions\/107"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media\/106"}],"wp:attachment":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media?parent=105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/categories?post=105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/tags?post=105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}