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What Is The 10-30-50 Rule Of Saving Money? Here’s How Much Wealth You Can Build With It

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What Is The 10-30-50 Rule Of Saving Money? Here’s How Much Wealth You Can Build With It


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The 10-30-50 Rule guides youth to save 10 percent in their 20s, 30 percent in their 30s, and 50 percent in their 40s, balancing YOLO spending with future security

The 10-30-50 Rule helps balance YOLO spending and future savings. (Representative Image)

The 10-30-50 Rule helps balance YOLO spending and future savings. (Representative Image)

For today’s youth, saving money often comes with a dilemma. On one hand, there is the allure of the YOLO lifestyle – spending freely on concerts, trips, and online shopping. On the other, there is the growing pressure to secure the future. Questions like “How much should I save?” and “Where should I invest?” dominate discussions among young professionals.

Financial planners say the answer may lie in the 10-30-50 Rule of Saving, a simple framework that adjusts saving habits according to age and earning stage.

10-30-50 Rule Explained

Unlike rigid budgeting techniques, the 10-30-50 principle takes into account how priorities change across decades of life. The idea is not to compromise entirely on present-day pleasures but to cultivate a habit of saving in a structured way.

1. In Your 20s: With careers just beginning, saving large amounts can be tough. Experts recommend starting small, at least 10% of monthly income. If that feels difficult, even saving 1% consistently builds the habit. Here, discipline matters more than the figure.

2. In Your 30s: This stage usually brings bigger responsibilities such as housing, children’s education, or long-term family goals. Financial advisors suggest saving 30% of income, which lays the foundation for future security.

3. In Your 40s: Known as the “golden earning years”, this is typically when income peaks. The recommended target rises to 50% of earnings, which becomes crucial for retirement, children’s higher education, and wealth building.

The Psychology Of Saving

Many young professionals argue that saving even 10% feels impossible amid rising costs. But experts point out that savings can be automated, just as tax deductions are. Setting up an automatic transfer into a separate account on payday ensures that money is put away before it is spent.

The philosophy behind the 10-30-50 rule is balance. Financial experts stress that life should be enjoyed, but ignoring savings entirely can create long-term hardship. True financial freedom, they say, comes only when people learn to strike the middle ground between spending today and securing tomorrow.

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Disney+ cancellations soar after Jimmy Kimmel suspension

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Disney+ cancellations soar after Jimmy Kimmel suspension


Danielle KayeBusiness reporter

Reuters A man wearing a black suit speaks with his hands raised in front of him.Reuters

Comedian Jimmy Kimmel was temporarily suspended last month

Disney+ and Hulu cancellations rates doubled in September after TV host Jimmy Kimmel was briefly taken off air, suggesting the move may have hurt the entertainment giant financially.

Data from analytics firm Antenna shows Disney+’s so-called churn rate – the percentage of subscribers who cancel each month – jumped from a 4% average to 8%, which equates to about three million cancellations, while Hulu’s rose to 10% or more than 4 million.

Disney suspended Kimmel after comments he made about the shooting of Charlie Kirk, following pressure from a federal regulator. The decision sparked free speech debates.

ABC, which airs Jimmy Kimmel Live, reinstated him within a week after a backlash.

Disney, which owns ABC, decided on 17 September to take the comedian off air, two days after Kimmel had said, during one of his shows, the “Maga gang” was “desperately trying to characterise this kid who murdered Charlie Kirk as anything other than one of them” and of trying to “score political points from it”.

The abrupt suspension came hours after Brendan Carr, chair of broadcast regulator, the Federal Communications Commission (FCC), threatened to revoke ABC’s broadcast licence.

The move was met with protests in California and lambasted by the writers and actors guilds, lawmakers and the American Civil Liberties Union (ACLU).

Critics and First Amendment advocates had railed against ABC’s decision as censorship and a violation of free speech. They also called for economic pressure on Disney, urging people to boycott the company’s services.

Hundreds of celebrities and Hollywood creatives signed a letter backing Kimmel, who was later reinstated.

Reuters A man at a protest holds a sign in the shape of Mickey Mouse's face, which reads "Protect Free Speech" and "Cancel Disney ABC".Reuters

Critics called for boycotts of Disney’s streaming services

The new data from Antenna, released on Monday, offers the first indication that Disney may have taken a hit from the blow-back.

Disney+ and Hulu lost millions more subscribers in September compared to recent months, while Netflix saw its churn rate hold steady at 2%.

But it is not clear whether Kimmel’s suspension was the only factor driving the surge in cancellations.

Disney’s move to suspend Kimmel coincided with its announcement of previously planned increases to subscription prices, as the company faces pressure to boost its profit from streaming services.

Despite the rise in cancellation rates, both Disney+ and Hulu saw an uptick in new sign-ups in September, offsetting some of the loss, according to Antenna.

Disney declined to comment and Hulu is yet to respond. However, Disney noted discrepancies between Antenna’s data and its internal figures.



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Video: What to Know About the ICE Raid at a Hyundai Plant

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Video: What to Know About the ICE Raid at a Hyundai Plant


new video loaded: What to Know About the ICE Raid at a Hyundai Plant

ICE and other law enforcement agencies detained nearly 500 workers in Georgia in September. Farah Stockman, who covers manufacturing for The New York Times, describes the fallout from the incident and what could be next for foreign factory investments in the U.S.

By Farah Stockman, Gabriel Blanco, June Kim and Claire Hogan

October 20, 2025



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Pizza Hut to close 68 UK restaurants

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Pizza Hut to close 68 UK restaurants


Charlotte EdwardsBusiness reporter, BBC News

Getty Images A person reaches into a pizza box and cuts a pizzaGetty Images

Pizza Hut is to close 68 restaurants and 11 delivery sites in the UK with the loss of 1,210 jobs, after the firm running them fell into administration.

DC London Pie Limited, which operates Pizza Hut’s UK restaurants, appointed FTI Consulting as administrators on Monday.

However, Pizza Hut’s global owner Yum! Brands has agreed to save 64 restaurants, preserving 1,276 jobs.

Pizza Hut is well known for its family-friendly dining and salad bar, but its UK business has been struggling and had previously gone into administration less than a year ago.

DC London Pie had bought Pizza Hut UK’s restaurants from insolvency in January this year. The company also owns Pizza Hut franchises in Sweden and Denmark.

A spokesperson for Pizza Hut UK said: “We are pleased to secure the continuation of 64 sites to safeguard our guest experience and protect the associated jobs.”

Nicolas Burquier, managing director for Pizza Hut Europe and Canada, said: “This targeted acquisition aims to safeguard our guest experience and protect jobs where possible.”

He added that the immediate priority for Pizza Hut was “operational continuity at the acquired locations and supporting colleagues through the transition”.

Zoe Adjay, a senior lecturer in hospitality at the University of East London, said Pizza Hut had been “at the forefront of bringing fast food into the UK” in the 1970s, but had struggled to remain relevant amid increased competition.

“The pizza market has become a lot more upmarket,” she said. “There’s a lot more high-end pizza and they’ve taken a huge market share.”

Ms Adjay added that Pizza Hut had also failed to establish itself on social media in the same way as some of its competitors.

Increased operating costs and “ongoing consumer caution” will likely have contributed to Pizza Hut’s challenges, according to Danni Hewson, head of financial analysis at AJ Bell.

“DC London Pie had rescued Pizza Hut’s UK operations from insolvency less than a year ago, but making a success of a big-name casual dining businesses is a tough job.

“Taking back the brand looks a smart move by Yum! Brands as it has decades of data about how pizza lovers like to consume and exactly what factors need to coalesce to make a location a success.”



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