Part 9/10:
The 156520 rule is simple in theory but can be difficult to implement, especially if you're currently overwhelmed financially—spending 90% of your income on essentials, for example. The key takeaway is that progress is gradual. Start with small percentages—perhaps 5% savings or adjusting living expenses—and increase over time.
The system grows with your income; as you receive raises or promotions, your allocations naturally increase while maintaining discipline. This prevents lifestyle inflation, ensuring your increased earnings go into wealth-building rather than larger expenses.