# Golden Ratio Budget

I found this while applying the golden ratio to everyday life. I
think this is the most Capricorn thing. So I write this first.




## Budget

1 : Phi

38.2% saving : 61.8% investing




## Explanation

Saving means things the end goal of which is consuming. So it
includes consuming itself. But it also includes things like buying
gold just to hold the value. If you buy gold to prepare emergencies,
that's an investment instead.

Investing means investing in the future. It includes money making.
But it does not need to be. Prepping, education, paying for a gym,
buying nootropics, improving infrastructures, buying means of
production, going self-sufficient, &c. all qualify.

Let (38.2% saving) be the living expenses per month. Then you need
3.7 * (61.8% investing) for 6 months. 7.4x for 12 months. This is
also the golden ratio. 12 / 7.4 ~ 1.62. Set it as an emergency
fund. In physical cash. 6 months minimum.

But of course you don't need to spend all (38.2% saving) every
month. It is saving.




The ratio is really the golden mean. It harmonises. Try and feel
that. The world is designed like this.