se joão tem uma renda mensal de r$ 3.000,00 e segue a regra 50-30-20, qual das seguintes opções reflete a distribuição correta de seus recursos?
If João has a monthly income of R$ 3,000.00 and follows the 50-30-20 rule, which of the following options reflects the correct distribution of his resources?
Answer:
According to the 50-30-20 rule of budgeting, João should allocate his income as follows:
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50% for Needs: João should allocate 50% of his income for his needs, such as rent or mortgage, utilities, food, transportation, and other essential expenses. In this case, 50% of R$ 3,000.00 is R$ 1,500.00.
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30% for Wants: João can allocate 30% of his income for his wants or discretionary spending, such as dining out, entertainment, shopping, etc. In this case, 30% of R$ 3,000.00 is R$ 900.00.
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20% for Savings/Investments: João should allocate 20% of his income towards savings, investments, or paying off debts. This portion will help him build an emergency fund, save for retirement, or achieve financial goals. In this case, 20% of R$ 3,000.00 is R$ 600.00.
Therefore, the correct distribution of João’s resources according to the 50-30-20 rule would be:
- 50% (R$ 1,500.00) for Needs
- 30% (R$ 900.00) for Wants
- 20% (R$ 600.00) for Savings/Investments