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The 50/30/20 rule is a great guideline for managing finances, but it’s not one-size-fits-all. Your allocation—50% for needs, 30% for wants, and 20% for savings/investments—can be adjusted based on your goals and circumstances.

At 23, prioritizing saving and investing is commendable and puts you ahead of the curve! Allocating 35% to savings and investments instead of 20% is aggressive and can help you build wealth early. If you're happy and not feeling deprived with just 15% for wants, you don't need to change anything.

However, life isn’t just about saving for the future—it’s also about enjoying the present. If you’re skipping out on things that bring you joy or contribute to your personal growth, consider reallocating a bit more to your “wants” budget. Even bumping it up to 20-25% would give you some extra breathing room without jeopardizing your savings goals.

Do what feels sustainable and aligned with your values!