If you earn KSh 50,000 a month, do you know exactly where every shilling should go? As Alfred Mathu, The Financial Doctor, I believe your money should have a purpose before your expenses take control. In this video, I break down the 25-50-25 budgeting rule and show you how to organise your income to build wealth, manage your needs, and enjoy your lifestyle while preparing for the future. Here’s how the rule works: 25% Savings & Investments: Build an emergency fund, invest towards medium-term goals, and prepare for retirement. 50% Essential Needs: Cover rent, food, transport, bills, and other necessities while living within your means. 25% Lifestyle: Plan for entertainment, holidays, family support, giving, and other personal priorities. For someone earning KSh 50,000, that means: KSh 12,500 for savings and investments KSh 25,000 for essential needs KSh 12,500 for lifestyle expenses The savings and investment portion can then be divided between emergency savings, medium-term goals, and long-term retirement investments. The key is intentional money management. When every shilling has an assignment, you gain greater clarity over your spending and create a more structured path towards financial independence. Your income may determine how much you earn, but your financial plan helps determine what you build with it. CHALLENGE: If you earn KSh 50,000, could you live on KSh 25,000 for your essential needs? Tell me in the comments! Save this video and share it with someone who wants to improve their money management skills. - @mathualfred