## Needs are not feelings
Needs: rent/mortgage, utilities, basic food, insurance, minimum debt. Wants: dining out, upgrades, most subscriptions — audit with Subscription annual cost. Savings: true investing and debt principal beyond minimums. Map it in 50/30/20 budget or Dual-income 50/30/20 budget calculator.
## When 50% needs is fantasy
In expensive Nigeria cities, needs may be 55–65% of net for a while. Shrink wants aggressively and protect a savings floor (even 10%). Shared households should write the split down — Shared household split prevents silent resentment.
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Note: Educational content from Calcly Nigeria. Official sources (FIRS — PAYE consolidated relief not fully applied.) and licensed professionals take priority in Nigeria.