Sample
Cash Flow
Plan
50%
Fixed costs
• Rent or mortgage
• Utilities
• Medical insurance and bills
• Car payment
• Debt payments
• Groceries
• Clothes
• Internet/cable/cell phone
• 401(k)
• Roth IRA
15%
Retirement
investments
• Dining out
• Movies
• Concerts or sporting
events
25%
Guilt-free spending
• Vacations
• Gifts
• House down payment
• Emergency fund
10%
Savings goals
