I can't hit 50/30/20 but analyze: one-size-fits-all? Map 50/30/20: my actual expenses, geographic cost, rule flexibility. Calculate: strict 50/30/20 vs. adjusted percentages vs. my reality. Show me the rule reality: 50/30/20 doesn't fit everyone. Give me the truth: adjust percentages to my situation. Include: whether rule fits me, what my percentages should be, if geographic cost matters.