SUBSCRIBE FOR FREEHow does the 70/20/10 budget compare with other options? Because in the 60/30/10 budget , needs and wants together could add up to $3,600. 70/20/10 factors in investmentsWhile the other two budgets are vague about investing, the 70/20/10 budget builds it right in. Downsides of the 70/20/10 budgetNeeds and wants are lumped togetherThe 70/20/10 budget is the only percentage-based budget that combines necessary spending (housing, transportation, utilities, food) with “wants” (dining out, subscriptions, gym memberships and other “extras”). The 70/20/10 budget might be good for …There are a few groups of people who might find this budget helpful.