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How Much Should I Weigh?
The healthy weight range depends on your height, age, and gender. Body Mass Index (BMI) is commonly used to estimate this:
- A BMI between 18.5 and 24.9 indicates a healthy weight.
- A BMI between 25 and 29.9 suggests overweight.
- A BMI of 30 or higher indicates obesity.
You can calculate your ideal weight using BMI calculators or formulas that consider age, gender, and height
How Much Should I Spend on Housing?
Financial experts recommend spending no more than 30% of your gross monthly income on housing costs (rent or mortgage). This guideline helps avoid being "housing cost burdened." For example:
- If you earn $80,000 per year, aim to spend no more than $2,000 per month on housing.
- At $50,000 income, the maximum recommended housing cost is $1,250 per month.
Some people may spend up to 40% or 50%, but this increases financial risk
. Another useful rule is the 28/36 rule:
- Spend no more than 28% of your gross monthly income on housing expenses.
- Keep total debt payments (including housing, credit cards, car loans) below 36% of income.
For example, with a $100,000 annual income ($8,333 monthly), housing costs should not exceed $2,333 per month, and total debt payments should be under $3,000 per month
How Much Should I Have in Savings?
A common recommendation is to save enough to cover three to six months of essential living expenses. This emergency fund helps manage unexpected costs or income loss.
- Calculate your core monthly expenses and multiply by 3 to 6 to set your savings goal.
- Even saving small amounts regularly helps build your savings over time.
- If you have high-interest debt, consider paying it down before aggressively saving
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