I think it started as expenses/spending/saving but has now become rent/other expenses+spending/savings. Recently I've seen other "rules" emerge which are far h

I think it started as expenses/spending/saving but has now become rent/other expenses+spending/savings. Recently I've seen other "rules" emerge which are far heavier on the expenses. Fidelity, for instance, suggests a 50/15/5 split between expenses/retirement savings/short term savings. I think having such high expenses is pretty risky, myself.