Business
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)
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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Business
Without Rera data, real estate reform risks losing credibility: Homebuyers’ body – The Times of India
New Delhi: More than 75% of state real estate regulators, Reras, have either never published annual reports, discontinued their publication or not updated them despite statutory obligation and directions from the housing and urban affairs ministry, claimed homebuyers’ body FPCE on Friday. It released status report of 21 Reras as of Feb 13.The availability of updated annual reports is crucial as these contain details of data on performance of Reras, including project completion status categorised by timely completion, completion with extensions, and incomplete projects. The ministry’s format for publishing these reports also specifies providing details such as actual execution status of refund, possession and compensation orders as well as recovery warrant execution details with values and list of defaulting builders.FPCE said annual report data is not only vital for homebuyers to assess system credibility, but is equally necessary for both state and central govts to frame effective policies, design incentivisation schemes, and develop tax policy frameworks.“Unless we have credible data proving that after Rera the real estate sector has improved in terms of delivery, fairness, and keeping its promises, we are merely firing in the air,” said FPCE president Abhay Upadhyay, who is also a member of the govt’s Central Advisory Council on Rera.As per details shared by the entity, seven states — Karnataka, Tamil Nadu, West Bengal, Andhra Pradesh, Himachal Pradesh and Goa — have never published a single annual report since Rera’s implementation, and nine states, including Maharashtra, Uttar Pradesh and Telangana, which initially published reports, have discontinued the practice.Upadhyay said when regulators themselves don’t follow the law, they lose the legal right to demand compliance from other stakeholders. “Their failure emboldens builders and weakens the very system they are meant to safeguard,” he said.
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Over recent quarters, payouts had gradually improved from roughly 65 percent to 80 percent and now to an average of about 85 percent in Q3FY26.
Infosys logo is seen.
IT major Infosys rolled out performance bonus payouts averaging around 85 percent for the quarter ended December 31, 2025 (Q3FY26), marking the strongest variable pay outcome for eligible employees in at least the past three-and-a-half years, Moneycontrol reported citing people in the know.
The bonus payout for mid- to junior-level employees ranges between 75 percent and 100 percent, with most employees clustering around the organisation-wide average of 85 percent, the report said. The development signals a steady recovery in variable compensation at the Bengaluru-headquartered IT services firm. Over recent quarters, payouts had gradually improved from roughly 65 percent to 80 percent and now to an average of about 85 percent in Q3FY26.
Employees are expected to receive their bonus letters over the next few days, with the payout scheduled to be credited along with their February salary.
One employee told the outlet that it is the strongest bonus outcome seen in recent years. The payout is also among the rare instances since the Covid-19 period when variable pay has approached the upper end of the eligible range.
Infosys last paid out 100 percent variable compensation during the pandemic. In the quarters that followed, payouts were lower amid macroeconomic uncertainty and a broader slowdown in client spending across global markets.
The higher payout comes at a time when global IT stocks have faced renewed pressure, driven by concerns over rapid advances in artificial intelligence and their potential impact on traditional IT services models.
Shares of global IT firms have seen sharp sell-offs in recent weeks amid heightened investor focus on AI leaders such as Anthropic. Investors fear that generative AI tools could compress pricing, automate routine services work and reduce demand for legacy outsourcing models.
Against that backdrop, the improved bonus payout at Infosys is being viewed as a signal of operational resilience and near-term performance strength, even as sentiment around the broader IT sector remains cautious.
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February 13, 2026, 21:44 IST
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