>Once you get the "big wins" down like you talked about, you can set aside 15-20% of your monthly net income to be spent any way you like. In fact, I think no

>Once you get the "big wins" down like you talked about, you can set aside 15-20% of your monthly net income to be spent any way you like. In fact, I think no matter what your budget is like, it's important to have at least some "doesn't have to be justified" budget set aside, even if it's just $5 a month. If your monthly "doesn't have to be justified" budget is $5, and you decide to blow that $5 on an expensive coffee every month, that's perfectly OK and you shouldn't feel guilty.