Is the 50/30/20 Rule Realistic for High Cost of Living Areas?

I remember sitting in a cramped apartment in San Francisco, staring at my bank statement with a sense of dread. The rent alone consumed nearly half of my take-home pay, leaving me to wonder if the classic financial advice I’d read online was just a fairy tale. If you are currently living in a major… Read more » Is the 50/30/20 Rule Realistic for High Cost of Living Areas?