50/30/20 splits after-tax income: 50% needs, 30% wants, 20% save and invest.
In expensive cities rent may push you to 55/25/20 — or raise income before cutting savings.
Any steady savings rate beats zero — even 10% is a win.
The 50/30/20 rule adapted for life in Thailand
50% needs, 30% wants, 20% save/invest — adjust for real living costs.