Budget Breakdown

Basic structure to breaking down your budget. I tried to make it as complete (and generic) as possible so it looks expansive and large but I think people at all income levels should follow this strategy:

The one main drawback is that fixed, variable and disposable income go into the same account which is not very ideal at all. Everything else is well derisked and protected but not the fixed expenses. I will have to revisit this at some point.