Budgeting 101: Why the 50-30-20 Rule is Dead—Try the 65-20-15 CFA Tweak
Methodology We pulled real side-hustle cash flows from our 33-hustle database (stock photos, Notion, Meesho).SIP assumes ₹ 5k monthly at 15% XIRR (Nifty long-run).Hustle surplus is variable monthly (best, base, worst) → reinvested at the same 15%.Cost of capital = 10% (risk-free proxy).Duration = 10 years.Result: The hustle route yields a 27% larger corpus but … Read more