We will start with Financial Planning
 
We recommend the 50-20-20-10 financial approach to provide a wise structure for financial planning.

Needs (50%):
For living expenses and basic necessities such as housing, transportation, food, and utilities.

Wants (20%):
For personal desires and comforts, including entertainment, subscription services, dining out, and the like.

Savings, Investment, and Debt Management (20%):
To build emergency savings. Investing for long-term financial growth. Paying off debts, such as credit card debt or student loans.

Future Planning (10%):
For future planning, including retirement and education.