4 parts rent to one part food to one part everything else (transit, utilities, laundry, etc), for recurring monthly expenses and small luxuries (a beer, a coffe

4 parts rent to one part food to one part everything else (transit, utilities, laundry, etc), for recurring monthly expenses and small luxuries (a beer, a coffee, a movie ticket, etc). One rent equivalent each to clothing and health care (includes dental and eye care) annually. One rent equivalent per year to gifts; 3 to charitable donations; 1-2 for vacations; 2 for misc expenses and larger luxuries. For every dollar spent, roughly a dollar goes to savings and a dollar to taxes (high tax locale by US standards, low by broader developed country standards).