I earn $[INCOME] per month (after tax). Using the 50/30/20 rule:
1. Needs (50%): Suggest allocation for rent/mortgage, utilities, groceries, insurance, minimum debt payments, and transport. Give example numbers.
2. Wants (30%): Suggestions for dining, subscriptions, hobbies, personal care.
3. Savings & debt payoff (20%): Split between emergency fund, retirement, and extra debt payoff. Suggest order of operations (e.g., 1k emergency first, then high-interest debt).
Assume I live in [CITY/STATE] so you can mention ballpark costs. Output a simple table or list I can paste into a spreadsheet.