The 50/20/30 Rule

66% of Americans are missing this basic but essential financial tool.

Are you winging your financial future? By the looks of it, it seems that 66% of Americans don’t have a budget. But what if you did a staredown with your bank account? It may be intimidating, but it doesn’t have to be.

In this video, learn about the 50/20/30 Rule—the percentages that will help you remember how to divide your money for flexibility and security, right when that paycheck comes in.

And, for some Cliff’s Notes, here’s a rundown:

- 50 percent of your paycheck is for essentials—that fixed income that will go towards food, shelter, laundry, gas, water, power, phone, internet bills, and any potential emergencies if things go south.

- 20 percent of your paycheck will pay off those past debts and student loans, and let you invest in the future.

- 30 percent of your paycheck lets you save for that vacation or buy that special something for someone. Seems weird to not put 30% of your paycheck towards savings and debts, but think about it this way: living well lets you do good.

Watch the video to learn more about how your budget can let you save over time so that eventually, you can grow out of the 50/20/30 rule.

via Jason S Campbell / Twitter

Conservative radio host Dennis Prager defended his use of the word "ki*e," on his show Thursday by insisting that people should be able to use the word ni**er as well.

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Prager used the discussion to make the point that people are allowed to use anti-Jewish slurs but cannot use the N-word because "the Left" controls American culture.

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