Needs (50%)

Essential expenses: rent, utilities, groceries, insurance, transportation.

Wants (30%)

Entertainment, dining out, hobbies, subscriptions, non-essentials.

Savings (20%)

Emergency fund, long-term investments, retirement, future goals.

Tithes (10%)

Charitable giving, donations, causes you believe in, community support.

Taxes (15%)

Self-employment taxes, income taxes, quarterly tax payments for business income.

Bills (50%)

Business expenses: software, equipment, supplies, contractors, operations.

Reinvest (20%)

Business growth: marketing, training, tools, scaling, new ventures.

Splurge (5%)

Guilt-free luxury: treats, experiences, rewards for your hard work.