Here are suggested percentage guidelines based on net income compiled by Dave Ramsey, author of Financial Peace (Viking, 1997, $21.95) which he says are only recommended percentages and will change dramatically if you have a very high or very low income. For instance, if you have a very low income your necessities percentages will be high. If you have a high income, your necessities will be a lower percentage or income and hopefully savings (not debt) will be higher than recommended.

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