Worst summary ever!!! 80% leftover? What aout the Monty cash flow budget which is one of key elements taught in the book?
lol nice skimming. say you get a 650$ paycheck. after taxes, it's 580 (or whatever idk) you get paid weekly and bills come at the end of the month, so 580 x 4 = 2320$ a month ( again making numbers up) you have your bills that's $1500. so now you have 820$ left. put $123 in the bank for a cushion, then $41 in the emergency bank. now you're left with $656 for that month, gas, food, and play. it's really not that hard. let me help you break that down again. you eat subway for breakfast lunch and dinner, buy a footlong and eat 6" for breakfast then lunch = 5$ then buy another footlong and eat the whole thing for dinner = $5. that's $10 a day on food (again examples) 30 days in a month so that's $300 and now you have $356. now you figure gas. you get 20mpg at $3.20 a gallon and your tank hold 12 gallons and you drive 15miles 1 way to work, so 30 miles a day. you go visit a friends house, they live 5 miles away, you visit them 8 times in a month. there's 80 miles or 20 miles a week, so 230 miles a week, times 4 weeks in a month (averaging the day week and month in a year so there's no unfairness about what day to start on) is 920 miles a month. that's 3.833 repeating times you fill up, or 46 gallons of gas. 46 times $3.20 a gallon is $147.20 a month in gas. leaving you $208.80 dollars to literally do whatever you want with. don't ever buy a book to save money. do the fucking math.
See, this makes a better point than what you said the first time. The problem is, a lot of people don't get the process and need more than just a paragraph. I recommend the book because it teaches people how to do these things consitently. It gives tools and guidance on how to make your money work for you. I speak from experience, the things taught in the book go way beyond anything you said in your first post. But I still say that your original synopsis of the book was poor, and your example does no justice to the what the book offers.
That was a very nice pm by the way. Really mature
. I never said "you need to by this", I said i recommend it. It can help people, so don't attack me for something I didn't say and check your own attitude.