It would be great to see you take a real family that was willing to share their income and expense, and go through a real budget with them.

I have been wondering if I have been putting in enough for each category! Thank you Rachael!!!

Hiya lovely, When is every dollar/ pound coming to 🇬🇧 ? Love your advice as always. Huge hug.

Thx so much for sharing. I started reading your book , looking forward to doing better with my $$$ !!! Thx again !!

Hugs you and your dad have been a huge blessing to our lil family! We immigrated from México to Canada 4 years ago with 800 CAD. We had a job right away and started living the life we dreamed of since in Mexico we went to sleep hungry a lot of times and our income was not always enough for groceries we were used to spend everything we had on food! But when we arrived in Canada and got out first paycheque we thought we had a lot of money! So we spend and after 2 years we qualified for a mortgage so we got it ;-) but last year we needed to upgrade our house since we have 3 lil children:-) we needed a bigger down payment and we had almost enough to pay for it but we ended up borrowing some. 3 months ago I realized we had 5500 in debt :’-( Now we got our GOK fund :-) and we are down to 2800 we hope to be starting baby step 3 by the end of March :-) thank you God bless you!

I like that these videos are short, it's less overwhelming.

Why do you not have thousands of comments?! This is pure gold. Gold, I tell you. I am going to download that now. Thank you! My husband and I have an excel sheet and sub accounts in our bank. I feel all over the place! I am so excited for this app!!!!

Love these videos... can you also tell us in the description box where you get whatever outfit you're wearing? I know it's unrelated to the videos, but I know you wear a lot of affordable clothes and I always like your tops!

Thank you Rachel, very useful! 😊

Could you give us a sample of a budget with this information thank you.

Rachel, thanks for sharing these great tips. I'm 🔥on my budget already. Plus I have the everydollar app. As well. I feel like wonderful woman because I know where my money is going now, and stress free.👍

Would love if you shared where your clothing is from in the description. 😊

Thank you for this video, it answered some questions that I’ve had. Ive been trying to get our grocery spending down, and I’m going to use this % as my goal.

Great video! Are these numbers based on net or gross income? As my insurance and FSA are taken right from my paycheck, I work from my net budget. Thanks, as always, for the great content!

2022 still watching !

Love this!

This was awsome! Your footage is amazing!! So soft and crisp!! What camera, lens, and mic do you use?

I like the idea of percentages rather than looking at numbers because like you said everybody's situation is different. Do you have a hand out at your website something that I can print off that has these percentages?

Thanks for the video! Quick question...what about sinking funds? Would you put them under savings or the specific category?

Yeah I remember that old video LOL. I think in that vid food was like 5%, which would be for example $30,000 income & 2 kids $1500 per YEAR for food LOL. It does have to be different w income & family size. Thanks for the update!

I don't understand why you would have had haters the last time that's silly. I really liked this video that you did it's really helpful thank you so much for taking the time to do this. Have a nice day

My goal is 40% for saving/investing, 20% for housing/utilities, 10% for insurance, 10% for food, 10% for gas, 5% for personal/fun, and 5% for giving.

I can't bugdet!!!!! I kept resetting my every dollar app!

I live in the uk so every dollar app is of no use. Do you know if something similar in the uk? I love you and your dads budgeting tips but find it hard to keep track somedays.

How much Are you paying for childcare and for how many kids? And how many days a week?

I wish child care were on the list. It is my 2nd largest bill. Im surprised by how many sample budgets don’t include it.

I dont have the application available in my country .. waht should i do ?

Is your emergency fund part of the savings budget and what's the recommended amount for EF only?

Are these percentages based on gross or take-home?

1st thing paid is health insurance, then tithe, then savings/investments, then we are left with $20k to support our family of 5. Our percentages are nowhere near the recommended amounts (except tithing). Find what works for you.

Rachel, I love your videos! I have a question. Right now our childcare costs the same as our rent! How do we budget with two major line items taking up 60%? It feels so impossible to make savings progress. We live in a very expensive area and are unwilling to move because it would require an hour each way commute and with young kids that isn't worth it to us. It would be great if you could do percentages for young families! Thanks!!

Tried all that for every dollar but it's not available in my country

Rachel - would love to hear about 401k investing and saving for retirement. All the info I can find is making my head spin!

If I'm not mistaken, these guidelines are for after you are out of debt...definitely passed Step 2 as you wouldn't be saving or having the recreation in your budget if still in debt, possibly not the personal and clothing either if you're intense and gazelle-like 🤔...am I wrong?

What do you think is the most effective way to help out your parents if they don’t have enough for retirement?

We are a family of 5, I always have problems with the food budget. We spent 35%, you suggested 10 to 15% I still don’t know how to do it.

Being up front with budgeting when in debt is spoken fear which can propel you forward. Avoiding budgeting is silent fear and this is paralysis....fear if losing control.

You got grief on the last video of this kind because the amounts didn't create a zero based budget, your food category was half of charity (and at 145, unrealistic for most single people, let alone taking kids into account. I love listening to money advice, but that video needed a lot more work. Love your enthusiasm!

Off topic but can you do a home tour? Your house looks lovely but not overly extravagant though I'm sure you could afford it.

I like your look !...

Hi Rachel I am a big fan. I have a question for you. I don't belong to any church or anything but I have a mother in law that lives in another country which my husband and I send her money every month. Can that count as giving the 10% sometimes it ends up being more than 10% that we send her?

We are retired, do we continue to save? Income is SS and a monthly income from our savings.

Hi, Rachel! How can we manage our client's advanced payments? #AskRachelCruze

I am my own boss, my income constantly varies. I cannot predict my paycheck every month. How can I make a budget?

3 years ago you told us to spend 5% on food and we told you that’s not realistic. We weren’t hating you. We were telling you feeding a family on 5% of your income was unrealistic. What percent of your monthly income do you spend on grocery and household items? We spend a lot closer to 10% than 5%....

Interesting: If you add up the percentages she gives you, the minimum recommended percentage of each category adds up to 100% of your money, and the maximum recommended percentage of each category adds up to 160% of your money. If any category is near the higher end of the range she recommends, other categories have to be driven well below the range she recommends. This is illustrative of the challenge of budgeting. As an FPU instructor, we need to help our FPU class members see where they can carve out space within a finite income to meet the needs of a family. This gets tough when a family with significant home and car debt has to meet other family obligations.

Hi

Percentages don't work for budgets, only for the saving and giving categories as these are optional.. there's no way I'm spending 30k a year on food if I'm making 300k..

Too bad childcare has to take up a huge percent so all those categories have to go down. 😔

25% housing 15% food 20% all other bills 10% fun 30% savings

Ummmm...no one has any bills to pay? Student loans?

or so lovely in sure u don't have to budget to hard

Housing and bills 10% Spending 10-15% Food 12.5% Childcare 10% Investments 57.5%

I'm in California, my rent is almost 47% of my income. And I'm in the valley. I'm not in San Francisco, LA or San Diego. Those cities are even worse.

She's the perfect woman! Beautiful, smart and good with money! Where can meet women like her? Church? Dating Apps?

4 walls first, princess.

For anyone implementing this advice, note that the minimums add up to 100%, so you’ll need to go under the minimum to balance your budget if you go over the minimum in even one category. And don’t forget that childcare might make you lower these percentages even more.

ur so lovely I doubt u really needto budget too hard

Gosh I hate to say this, but it seems Rachel's videos have become a bit...meh. How many times have we heard about the budget categories from her or Dave? Not too new or helpful, unless you are completely new to Dave's ideas.

I can’t get over how beautiful you are!